人民银行重庆市分行为了更好地发挥信贷、利率的杠杆作用,支持企业搞好全面整顿,提高经济效益,针对现行流动资金贷款制度同经济发展的客观要求不相适应的情况。经过调查研究,在广泛征求意见的基础上,试行了以销售资金率为考核标准的贷款办法。其特点:一是使银行贷款发放与企业销售收入直接挂钩;二是实行浮动利率,凡企业在确定的销售资金率基准基础上,降低销售资金率为5%的,银行对其相应节约的 The People’s Bank of Chongqing Municipality has acted as a lever to better exert credit and interest rates, supported enterprises to do a good job of comprehensive rectification, increase economic efficiency, and was incompatible with the current situation that the liquidity loan system was incompatible with the objective requirements of economic development. After investigation and study, on the basis of extensive solicitation of opinions, a loan method with a sales fund ratio as the evaluation standard was tried out. Its characteristics are as follows: First, linking bank loan distribution with corporate sales revenue directly; second, implementing floating interest rate, where a company lowers the sales fund rate by 5% on the basis of the determined sales fund rate, and the bank saves it accordingly.