“点贷”是上级行直接为某一企业指定的,不许别的企业占有的专项资金。正常情况下上级行下指标带资金。 点贷的出现和使用的确为企业在关键时刻起了很大的作用,特别是在资金紧张的时候,它的使用越显得必要。但是,点贷的使用在个别部门个别环节也存在着许多问题,问题的存在虽然不是大范围的(指极少部分),笔都认为提出这些问题是很必要的。 一、点贷在某些程度上加大了贷款的风险 (1)点贷部门不完全了解企业的生产和经营情况。目前找贷款争资金是企业和地方政府部门的热门话题。有的单位向上争取贷款时,不和当地银行、信用社联系, “Dian Dao” is a special line directly assigned by a higher bank to a certain company, and no other company is allowed to hold the special fund. Under normal circumstances, indicators under the line with funds. The emergence and use of point loans indeed play an important role for enterprises at a crucial moment, especially when the funds are tight and its use becomes more necessary. However, there are also many problems in the use of point loans in individual sectors of individual departments. Although the problems do not exist in a large area (in a very small part), they all think it is necessary to raise these issues. First, point loans to some extent increased the risk of loans (1) point credit sector is not fully aware of the production and operation of enterprises. Currently looking for loans for funds is a hot topic for businesses and local government departments. When some units strive for loans upwards, they will not contact with local banks or credit unions,