目前,我国国有企业不良债务负担十分沉重,已经成为影响我国经济正常运行特别是国有经济发展面临的一个严峻的现实问题。国有企业不良负债已不是个别现象,而是已经逐步发展成为一种普遍现象。由于受到多种因素的影响与制约,多数国有企业都面临着生产经营困难,经济效益不断下降的问题,并由此而出现了因为企业难以按期归还银行贷款,因此采取各种办法拖债、抵债、赖债的现象。这些现象的存在和发展,使得我国经济运行中的正常信用关系受到了严重损坏,并且已经威胁到整个银行体系的安全。对银行来说,巨额不良贷款严重阻碍着专业银行的商业化进程,对企业来说,由于不良债务的困扰而使其陷入债务的泥潭中不能自拔,在客观上延缓了我国现代企业制度的建立。在由于企业不良负债而带来的许多负面影响中,其对整个社会资金的正常运动产生的不良影响是十分严重的,下面试从三个方面对此进行分析。 At present, the burden of bad debts of state-owned enterprises in our country is very heavy and it has become a serious practical problem that affects the normal operation of our economy, especially the development of state-owned economy. Bad debt of state-owned enterprises is no longer an isolated phenomenon, but has gradually evolved into a common phenomenon. Due to the influence and restriction of many factors, most state-owned enterprises are faced with the difficulties of production and operation and the declining economic benefits. As a result, it is difficult for enterprises to repay their bank loans on schedule. Therefore, various measures are adopted to reduce the debt, , The phenomenon of debt. The existence and development of these phenomena have seriously damaged the normal credit relations in the economic operation of our country and have already threatened the security of the entire banking system. For banks, the huge amount of non-performing loans seriously hindered the commercialization of specialized banks. For enterprises, they were unable to extricate themselves from the quagmire of debt due to distressed debts, which objectively delayed the establishment of China’s modern enterprise system . Among the many negative effects caused by the bad debts of enterprises, the adverse impact on the normal social funds as a whole has been very serious. Here we will analyze the following three aspects.