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企业是经济发展的主体,金融是企业发展的血脉,是实体经济发展的辅助力量。随着经济金融形势的持续低迷,当前经济发展中所呈现出的企业发展与金融发展不匹配、不协调的现象越来越普遍。信贷资金规模在经济上行时的无限膨胀,并在经济下行时的突然收缩成为众多企业生死的直接诱因,成为企业信用危机爆发的导火线。本文从企业信贷资金急剧波动的形态入手,着重研究由此引起的企业信用危机的新特征,同时分析此类企业信用危机对宏观金融、经济及社会发展的影响,并探索规避当前新型企业信用危机爆发和蔓延的措施。
Business is the main body of economic development, finance is the development of enterprises, is the auxiliary force for the development of real economy. With the continuous downturn in the economic and financial situation, there is a mismatch between the development of enterprises and the development of finance in the current economic development. Uncoordinated phenomena are becoming more commonplace. The unlimited expansion of the scale of credit funds in the economy and the sudden contraction in the economic downturn have become the direct inducements of many enterprises in life and death and have become the fuse for the outbreak of the credit crisis. This article starts from the form of rapid fluctuation of corporate credit funds, focuses on the new characteristics of corporate credit crisis caused by it, at the same time analyzes the impact of credit crisis on the macroscopical financial, economic and social development, and explores to evade the current credit crisis of new enterprises Outbreak and spread of measures.