论文部分内容阅读
中国人民银行规定从1993年5月15日开始提高贷款利率,把一般临时性流动资金贷款利率从6‰提高到9‰。而托收承付罚息利率未得到相应的提高,还是9‰。从目前国家紧缩银根、压缩贷款规模情况来看,罚息过低,不利于供需双方的货款结算。因为付款单位在争取不到银行贷款的情况下,拖欠托收承付贷款等于变相贷了款(因为罚息利率等于或小于贷款利率),而且无需办手续。这样,罚息起不到罚的作用。因此,笔者建议:罚息利率应高于贷款利率,应在贷款利率调升时,相应调升,真正体现罚的作用,迫使付款单位重视托收承付,积极采取有效措施,尽早承付货款,避免“三角债”前清后欠的再度发生。
The People’s Bank of China stipulated that the interest rate on loans should be increased from May 15, 1993, and the interest rate on general temporary liquidity loans should be raised from 6 ‰ to 9 ‰. The collection of interest rates to pay interest rates did not receive the corresponding increase, or 9 ‰. From the current national monetary tightening, the size of the loan compression point of view, the penalty is too low, is not conducive to the supply and demand sides settled payment. Because the payment unit fails to secure a bank loan, the default owed collection loan is equal to the loan disguised (because the interest rate penalty is equal to or less than the loan interest rate) and no formalities are required. In this way, the penalty can not play a penalty role. Therefore, the author suggests that the penalty interest rate should be higher than the loan interest rate, which should be raised correspondingly when the loan interest rate increases. The penalty should be really exerted to compel the payment unit to pay attention to the collection and take active measures to bear the payment as soon as possible , To avoid “triangular debt ” after the Qing Dynasty due to happen again.