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现行对商业三级批发企业和零售企业周转贷款的核贷方法是:根据上级下达的销售计划和百元销售资金率计算确定流动资金计划占用额。然后结合企业自有资金情况核定。这种方法既无法体现扶优限劣的原则,又不能解决信贷约束软化问题。笔者认为应该改为按企业信用等级核贷。首先,要采用定性和定量相结合的考核方法。评定企业信用等级。其中定性考核的指标有:能否遵守国家的有关经济法令和政策,坚持社会主义经
The current method of bank loans for commercial wholesale enterprises and retail enterprises is to determine the occupation of liquidity funds based on sales plans issued by superiors and sales funds of 100 yuan. Then it will be combined with the company’s own funds. This method can neither reflect the principle of supporting superiority and inferiority, nor solve the softening of credit constraints. The author believes that the credit should be changed according to the credit rating of the enterprise. First, qualitative and quantitative assessment methods should be used. Assess company credit rating. Among them, indicators for qualitative assessment are: whether they can comply with the relevant economic laws, regulations and policies of the state and adhere to the socialist economic system.