论文部分内容阅读
1.投融资体制不合理,造成信贷资金周转不灵,使银行成为社会主要的融资中介和风险聚集者。在计划经济体制下,企业固定资产投资和流动资金的供给主要由国家财政拨款解决。改革开放以来,实行了“拨改贷”,银行成为建设资金和流动资金的主要供应者,信贷资金成为投资的主要来源。信贷资金成为企业负债的最主要部分。企业经营出现困难,引发的突出问题就是不能按期归还贷款本息。
1. Irrational investment and financing system, resulting in poor working cash flow, so that banks become the main financing intermediary and risk gatherer. Under the planned economic system, the supply of fixed assets and liquid capital in enterprises is mainly financed by state funds. Since the reform and opening up, “credit reform” has been implemented. Banks have become the major suppliers of capital and liquidity for construction. Credit funds have become the major source of investment. Credit funds become the most important part of corporate debt. Difficulties in business, the outstanding issue is not returned on schedule loan interest and principal repayment.