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如果計劃经濟是新民主主义的主要特點之一,那末合同制度应是保证計劃实現的一個主要方法。現金管理的目的是有計劃地调节現金流通及節約現金使用,因此銀行与公营企業间的关系,顯然不是過去的單純的存匯透支之類的往來,而是包含了更广泛更複雜的內容。为了保證做好現金管理,銀行与公营企業间簽訂業務往來约定书建立起合同制度,無疑地將起着重要作用。業務往來約定書与過去銀行的契約不同,他不是偏面的對顧客的約束,也不是千篇一律到處適用的文件,他是银行与顧客根據彼此的任務与需要共同研究与商量所訂立的合同。因此既有內容也有個性,同時約定的范围也不是局限於某一種業務,例如贷欵票據抵用等等,他既包括了普通的存匯也包括了現金管理与結算信貸等各方面的業務,因此他又是全面性的合同。業務往來約定書的特點不僅如此,公營企业
If the planned economy is one of the main features of the new democracy, then the contractual system should be one of the main ways to ensure that the plan is achieved. The purpose of cash management is to regulate cash flow and to save cash in a planned way. Therefore, the relationship between banks and public enterprises obviously does not consist of past exchanges of pure savings deposits but more extensive and complicated contents. In order to ensure a good cash management, the signing of the contractual agreement between banks and public enterprises to establish a contractual system will undoubtedly play an important role. Different from the contract of the past banks, the contract of affair of business is not a biased constraint on customers nor a document applicable everywhere. He is a contract between banks and customers for mutual research and consultation according to each other’s tasks and needs. Therefore, both content and personality, at the same time the scope of the agreement is not limited to a particular type of business, such as credit loans and so on, he not only includes the ordinary deposit but also includes the cash management and settlement of credit and other aspects of business, So he is a comprehensive contract. Characteristics of business contacts Not only that, public enterprises