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当前,集体企业存在的一个突出问题是资金紧张,严重影响了企业的正常生产、经营。分析造成集体企业资金紧张的主要原因,一是企业自有资金不足,对银行的依赖性强。二是资金运用不当,管理不善。在信贷紧缩的形势下,要缓解企业资金紧张的局面,靠银行贷款已不可能,只有走向内挖潜的路子,发挥有限资金的作用,提高资金使用效率,才是克服集体企业资金困难的有效办法。 1.建立厂内银行,灵活调度资金。通过核定各车间、部门的资金占用量,发挥厂内银行的信贷控制作用,落实资金计划和责任,挖掘资金潜力,有效地防止企业内部争资金、浪费资金和不讲资金使用效率等行
At present, one of the outstanding problems in collective enterprises is the shortage of funds, which has seriously affected the normal production and operation of enterprises. Analysis of the main reasons for the shortage of funds in collective enterprises is that the company’s own funds are insufficient and its dependence on banks is strong. Second, improper use of funds and poor management. Under the credit crunch situation, it is necessary to ease the tight funding situation of enterprises, and it is impossible to rely on bank loans. Only the way to tap potentials, play the role of limited funds, and increase the efficiency of fund use are the effective ways to overcome the financial difficulties of collective enterprises. . 1. Establish an in-plant bank and flexibly allocate funds. By approving the capital occupancy of various workshops and departments, the credit control function of the in-plant banks will be utilized, the capital plans and responsibilities will be implemented, the potential for funds will be tapped, and the internal competition for funds, waste of funds, and failure to use funds will be effectively prevented.