理论认识上的糊涂,往往会造成实际工作上的混乱,投资性贷款还本付息的问题之争,就是这样。大量事实表明,银行开展投资性贷款业务以来,充分发挥了银行聚积、调剂各种社会资金的作用,对于搞活经济,支持企业发展生产,起了积极的作用,这是有目共睹的。但是由于没有经验,也因为任何一种办法都有利有弊,在投资性贷款中也出现了一些问题。如何对待这个问题有两种态度,一种认为只要我们坚持实事求是的原则,认真总结经验教训,不断改进、完善投资性贷款办法,问题是不难解决的;另一种是有一些同志夸大了投资性贷款工作中出现的问题,认为用贷款项目的新增利润还本付息是投资性贷款工作中产生某些问题的根源,,因而提出了一些削足适履的建议。为了分清是非,统一思想,充分发挥银行通过信贷调节经济,支持生产建设的作用,特对几种具有代表性的观点提出不同看法,与有关同志商榷。企业用新增利润还本付息,就是推卸其为社会提供剩余产品价值的责任吗? 有一种意见认为:“国营企业实现的利润在作了必要扣除(利润留成)之后,都应作为为社会创造的价值上交国家财政。如果用这部分增加的利润来还本付息,无异乎减少应由国家财政集中的企业纯收入”。企业如果用新增利润作为投资性贷款还 The confusion in theoretical understanding often leads to confusion in practical work, and the dispute over the issue of repayment of investment loans is just like that. A large number of facts have shown that since the banks started investment loan business, they have given full play to the role of banks in accumulating funds and adjusting various social funds. This has played a positive role in invigorating the economy and supporting the development of production by enterprises. This is obvious to all. However, due to lack of experience, but also because of any one way has advantages and disadvantages, there have been some problems in investment loans. There are two ways to deal with this issue. One is that as long as we adhere to the principle of seeking truth from facts, carefully sum up experiences and lessons, and continuously improve and perfect investment loan methods, the problem is not difficult to solve; the other is that some comrades exaggerated their investment. The problems that arise in the work of sex loans are that the use of newly-added profits for loan projects is the root cause of certain problems in investment-based loans. Therefore, some suggestions have been put forward for reducing the size of loans. In order to distinguish between right and wrong, unify ideas, give full play to the role of banks in regulating the economy through credit, and supporting production and construction, they have proposed different views on several representative views and discussed with relevant comrades. Does the company use new profits to repay the principal and interest, that is, to shirk its responsibility to provide surplus product value to the society? There is an opinion that: “The profit realized by the state-owned enterprise should be used as a society after making the necessary deduction (profit retention). The value created is handed over to the national finance. If this portion of increased profits is used to pay back the principal and interest, there will be no reduction in the net income of enterprises that should be concentrated in the state finances." If an enterprise uses new profits as an investment loan,