近年来,随着产权制度改革的深入和市场经济的发展,企业的产权交易行为日渐频繁。兼并和破产作为两种主要形式在产权交易活动中占了相当大的比例。1996年,由于粮油购销市场萎缩,销售利润下降,粮食企业经营举步维艰。为了遏制亏损势头,有些地方的粮食系统也开始尝试进行企业兼并或破产,以期利用产权改革的方式摆脱困境。其中不少粮食部门,往往先采取行动,以既成事实再通知银行,使得我行信贷资金管理工作十分被动。这种现象来势凶猛,且大有愈演愈烈之势。对此,作为粮食企业最大债权人的中国农业发展银行,应认真对待,要有一个清醒的、全面的认识。一、政策性粮食企业无论以何种形式兼并或者破产,都将对农业发展银行的信贷资金产生重大的影响(一)政策性企业兼并非政策性企业 In recent years, with the deepening reform of property rights system and the development of market economy, property rights transactions of enterprises have become more and more frequent. Mergers and bankruptcies, as the two major forms, account for a significant proportion of property transactions. In 1996, due to the declining grain purchasing and marketing market and the decline in sales profits, the operation of grain enterprises was struggling. In order to curb the momentum of losses, food systems in some places have also begun to attempt mergers and acquisitions or bankruptcies, with a view to using property rights reform to get out of their predicament. Many of these food establishments often take the initiative to inform the banks of the fait accompli and make the management of credit funds of our bank very passive. This phenomenon is extremely ferocious, and greatly intensified trend. To this end, China Agricultural Development Bank, as the largest creditor of grain enterprises, should take it seriously and have a clear and comprehensive understanding. I. Policy-based food enterprises will have a significant impact on the credit facilities of Agricultural Development Bank no matter what kind of merger or bankruptcy occurs. (1) Policy-oriented enterprises Merger is not a policy-oriented enterprise