借债还钱,天经地义。可是80年代末、90年代初以来,在社会主义市场经济建立和企业转换经营机制的同时,银行信用行为却逐步被扭曲,债务悬空和信用风险频频发生,部分企业想尽种种办法躲避银行债务,银行资产面临着被吞噬、悬空的危险。这是国家专业银行向商业银行转化进程中感到最棘手、最难解决的问题。 Debt to pay back money, right and proper. However, since the late 1980s and early 1990s, while the establishment of the socialist market economy and the transformation of business mechanisms by enterprises, bank credit behavior has been gradually distorted, debt vacancies and credit risks have occurred frequently, and some companies have tried every means to evade bank debt. Bank assets face the danger of being swallowed and vacant. This is the most difficult and most difficult problem to solve in the transition process of professional banks to commercial banks.