所谓银行“惜贷”,就是银行提高贷款条件,削减贷款额度,或停止贷款,追偿债务,致使经营状况良好但无强有力担保的企业从银行得不到开展业务所需的资金。中国工商银行山东济宁支行李晓萍在研究了日本金融机构“惜贷”使许多盈利企业因得不到贷款支持而导致资金周转失灵甚至破产倒闭的事实后认为,我国商业银行也存在“惜贷”现象,企业和银行必须转变经营方式,才能避免“惜贷”及其带来的损失。 李晓萍说,从日本银行“惜贷”导致许多企业倒闭可以看出,企业对银行的过分依赖是非常有害的。我国企业也普遍存在这方面的问题。当前许多企业呈现资金周转不灵、陷入困境 The so-called “looting” of banks means that banks that increase their lending conditions, cut their lending quotas, or stop lending, recover their debts, and cause them to operate in good condition but without strong guarantees can not obtain the funds they need to start their businesses. After studying the fact that Japan’s financial institutions “pity loans” have caused many profit-making enterprises to fail in cash flow or bankruptcy due to lack of loan support, Li Xiaoping believes that there are also “pity loans” in China’s commercial banks , Enterprises and banks must change their mode of operation in order to avoid “looting loans” and the losses they bring. Li Xiaoping said that from the Japanese bank “looting loans” leading to the collapse of many enterprises, it can be seen that excessive dependence on banks by enterprises is very harmful. China’s enterprises are also widespread in this area. At present, many enterprises are in poor working cash flow and are in trouble