近年来,由于市场销售疲软,银根紧缩的影响,加上有些企业主观上不守信誉,造成企业间互相拖欠贷款的情况十分突出,形成了错综复杂的三角债、链环债、多边债。债权企业在追索债款中,由于缺乏法律法规知识,又不善于利用法律手段来维护自身的合法权益, In recent years, due to the weak market sales, the monetary tightening effect, coupled with the subjective untrustworthiness of some enterprises, resulting in outstanding loans to enterprises in each other’s situation is very conspicuous, forming a complex triangular bonds, chain bonds, multilateral bonds. Creditor companies in the recourse of debt, due to the lack of knowledge of laws and regulations, are not good at using legal means to safeguard their legitimate rights and interests,