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提出银行业对工商企业集团的控股是以当今国际社会激烈的市场竞争为背景的。要培育和组建大型产业集团、跨国公司,改变我国企业单枪匹马闯天下的局面,就必须在资源配置组合上进行深刻的变革。(一) 银行业和工商产业是两个相对独立的部门。从集团性经济主体行为分析,工商产业的投资大于自身积累,投资与积累之间的差额构成了工商企业经营中最基本的制约因素。银行业是经济的信用中介集团,国民收入减投资和消费的剩余部分等于国民储蓄,这便形成银行业负债方的资产,而其自身并不完成实物投资。
It is proposed that the banking industry’s holding of industrial and commercial enterprise groups is based on the fierce market competition of the international community today. To cultivate and establish large-scale industrial groups and multinational corporations, and to change the situation of our country’s enterprises alone, we must make profound changes in the allocation of resources. (a) The banking and industrial and commercial industries are two relatively independent departments. From the analysis of the behavior of group economic entities, the investment in the industrial and commercial industry is greater than its own accumulation, and the difference between investment and accumulation constitutes the most basic constraint factor in the business of industrial and commercial enterprises. The banking industry is an economic credit intermediary group. The national income minus the investment and the remaining part of consumption equals national savings. This forms the assets of the bank’s debtor, and it does not complete the physical investment itself.