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去年以来,全省各地按照鄂财办字(1988)第10号文件要求,在大中型工商企业中推行“内部银行”管理办法,收到一定效果。据13个地市州初步统计,去年前8个月,建立“内部银行”的422户工业企业全部流动资金周转加速10%,百元产值占用流动资金减少1.53元,百元销售收入占用银行贷款减少2.82元;建立“内部银行”的160户商业企业全部流动资金减少7.55元,百元销售收入占用银行贷款减少5元。但是,在实践中也出现了一些问题。有的地方把企业“内部银行”办成了行业性“内部银行”,统揽企业资金,影响了企业自主经营权利,弱化了银行宏观调控能力;有的地方“内部银行”调剂资金过量,造成存不保付,影响企业正常的资金运用;有的由于监督管理不力,流动资金被挪用于基本建设,甚至造成消费基金失控和损失浪费。
Since last year, throughout the province, according to the requirements of No. 10 document of E-Quality Office (1988), the “internal bank” management measures have been implemented in large and medium-sized industrial and commercial enterprises, and they have received certain results. According to preliminary statistics from 13 prefectures and cities, in the first 8 months of last year, the turnover of all the 422 industrial enterprises that established “internal banks” was increased by 10%, the current value of 100 yuan in output was reduced by 1.53 yuan, and 100 yuan in sales income occupied bank loans. The decrease of 2.82 yuan; the establishment of “internal banks” of 160 commercial enterprises to reduce the total liquidity of 7.55 yuan, 100 yuan sales of bank loans to reduce the use of 5 yuan. However, some problems have also arisen in practice. In some places, the “internal bank” of the enterprise has become an industry “internal bank” and the company’s funds have been seized. This has affected the autonomy of enterprises and weakened the macro-control ability of banks; some local “internal banks” have over-allocated funds, causing Deposits are not guaranteed, affecting the normal use of funds by enterprises; some of them are diverted to capital construction due to weak supervision and management, and even cause consumer funds to run out of control and lose money.