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一在社会主义市场经济条件下,银企双方必须在观念上冲破计划经济体制思维模式的束缚,在交往中彻底打破旧的银企关系格局,遵循平等互利、相互支持、恪守信用、真诚合作的原则重建符合市场经济规律的新型银企关系。(一)平等互利。首先,银企双方都应该认识到市场经济条件下的银企关系实质上是平等的“等价交换”关系,银企双方在社会经济活动中都是独立的享有民事权利和民事义务的企业法人,都应当自主地决定自己的经济行为,并能为各自的行为承担责任。当前,银行的信贷资金已具有了商品的属性,这就决定了银行已不再有对企业承担事实上的资金供给义务,银企双方的资金供需实质上是一种社会资源合理配置和流向的资金商品的平等买卖关系,这种关系本身就包含有经济规律和杠杆调节的因素。其次,银企之间又是一种相互依存、互利互惠的关系。从理论上说,产业资本只有实现了增值,借贷资本才能生息,这就决定了企业的生存发展离不开银行的信贷投入,而银行的经营收入主要靠贷款利
First, under the conditions of the socialist market economy, both banks and enterprises must break through the shackles of the planned economic system’s thinking mode in their ideas, completely break the old bank-enterprise relationship pattern in the exchange, follow the principle of equality, mutual benefit, mutual support, abide by credit, and sincere cooperation. The principle is to reconstruct a new type of bank-enterprise relationship that conforms to the laws of market economy. (a) Equality and mutual benefit. First of all, both banks and enterprises should realize that the bank-enterprise relationship under market economy conditions is essentially an equal “equivalent exchange” relationship. Both banks and enterprises are independent enterprises enjoying civil and civil obligations in social and economic activities. Legal persons should independently determine their own economic behavior and be responsible for their own actions. At present, the bank’s credit funds already have the attributes of commodities, which determines that banks no longer have the obligation to assume de facto funding for enterprises. The supply and demand of funds between banks and enterprises is essentially a reasonable allocation and flow of social resources. The equal buying and selling relationship of capital goods, this relationship itself contains economic law and leverage adjustment factors. Second, between banks and enterprises is a relationship of mutual dependence and mutual benefit. Theoretically speaking, industrial capital can only realize value-added if borrowing capital is realized. This determines that a company’s survival and development cannot be separated from the bank’s credit input. The bank’s operating income mainly depends on loan interest.