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随着我国经济体制改革的不断深入进行,银行信贷杠杆对社会经济的调节作用越来越被人们所认识,在解决企业合理的资金需要,支持企业技术进步和提高经济效益、促进社会主义市场、发育和商品经济的发展等方面均收到了良好的成效。但是,由于受旧的管理体制的影响以及信贷制度的不尽完善,在专业银行向国有商业银行逐步转化过渡中,银行信贷对经济的约束机制软化。突出表现在企业资金使用效益差、产品滞销积压、企业间资金相互拖欠严重、亏损面扩大等,严重威胁着银行信贷资金的流动
With the continuous deepening of China’s economic system reform, the regulatory role of bank credit lending on the social economy has become more and more recognized. It is necessary to solve the reasonable capital needs of enterprises, to support the technological progress and economic benefits of enterprises, to promote the socialist market, Development and development of the commodity economy have received good results. However, due to the influence of the old management system and the imperfect credit system, the restrictive mechanism of bank credit to the economy softens during the gradual transition of specialized banks to state-owned commercial banks. Outstanding performance in the use of corporate funds is poor, the backlog of unsalable products, enterprises in arrears between serious arrears of funds, the loss increases, a serious threat to the flow of bank credit funds