一、“统管”变成“统包”,企业过度依赖银行。银行统一管理企业流动资金以后,财政不再增拨企业流动资金,企业也因种种原因不积极自补,企业的流动资金需求几乎全部由银行承担。现实中国有企业普遍面临着自 First, “community management” becomes “turnover package”, and companies rely too much on banks. After the bank has unifiedly managed the enterprise’s liquidity, the government no longer allocates additional corporate liquidity, and the enterprise does not actively supplement itself for various reasons. The company’s liquidity needs are almost entirely covered by the bank. Real Chinese companies generally face self-