论文部分内容阅读
当前县级金融部门依法收贷为何成果不佳,效益不显著?根据笔者近几年的调查、分析,发现当前县级金融部门依法收贷存在着十大障碍: 一、地方保护主义严重,致使依法收贷工作难以有效地实施。主要表现为政府及企业主管部门“父爱”思想严重,干预金融部门依法收贷工作。如平乐县某化工厂是一家濒临倒闭破产的企业,县工行根据该厂的情况,于1994年11月对该厂提起诉讼,要求处理抵押财产归还银行贷款并实行财产保全。但由于县政府直接出面干预,县法院无法继续受理此案,原封的生产设备被擅自启封出租,致使县工行依法收贷工作受阻,所拖欠的贷款本息130万元至今仍无法清收。
According to the author’s investigation and analysis in recent years, there are ten obstacles to the current collection and loan of the county-level financial sector: First, serious local protectionism leads to Collecting and lending money according to law can not be effectively implemented. Mainly manifested in the government and the department in charge of business “fatherly love” serious thinking, interfere with the financial sector according to the law to collect and loan work. For example, a chemical plant in Pingle County is an enterprise that is on the verge of bankruptcy and bankruptcy. County Industrial and Commercial Bank of China, in accordance with the situation of the plant, filed a lawsuit against the plant in November 1994 and demanded that the mortgaged property should be repaid for bank loans and property preservation. However, due to the county government intervened directly, the county court can not continue to accept the case, the original production equipment was unauthorized opening and rental, resulting in the county ICBC loan collection and obstruction work according to law, the outstanding loan principal and interest 1.3 million still can not be recovered.