企业转换经营机制，实行产权制变改革是建立现代企业制度，搞活经营的重要途径。在企业转制过程中工商银行做为企业最大债权人地位，如何做好参与转制落实贷款债权的工作，保障国家银行的合法权益和国有资产不受损失，是工商银行当前一项十分重要的工作。但目前在企业“转制” It is an important way for enterprises to change their management mechanism and implement the reform of property rights system to establish a modern enterprise system and activate their business. In the process of enterprise restructuring, ICBC as the largest creditor of the enterprise, how to participate in the restructuring and implementation of loan claims, safeguarding the legitimate rights and interests of state banks and the loss of state assets are currently a very important work of ICBC. However, the current “transformation”