一、银行不良企业贷款的成因分析1、体制方面。我国社会经济体制变革经历了计划经济、商品经济、市场经济三个阶段,在这三个阶段的经济运行中,政企职能不同程度地混为一体,行政干预延伸到方方面面,致使银行信贷难以真正按正常的经济规律操作,造成了目前企业不良贷款大幅度增长 First, the causes of bank bad corporate loans 1, the institutional aspects. The reform of our social and economic system has experienced three stages: planned economy, commodity economy and market economy. In these three stages of economic operation, the functions of government and enterprises are mixed in varying degrees, and the administrative intervention extends to all aspects, making bank credit difficult to be true Operating in accordance with the normal economic law has resulted in a substantial increase in the current non-performing loans of enterprises