１．违规破产，逃废贷款。在企业破产过程中，财产的清理、评估、清算工作等环节，企业对债权银行保密，并在没有银行参与的情况下法院直接宣布企业破产，达到假破产真逃债的目的；同时，非试点企业套用试点政策违规破产、逃废银行债务的情况也比较严重。 ２．分立经营、悬空旧 1. Illegal bankruptcy, escaped loans. In the process of enterprise bankruptcy, property clean-up, assessment, liquidation and other links, the enterprise secrets the creditor banks, and without the bank's participation, the court declared the bankruptcy of the enterprise directly and achieved the purpose of avoiding bankruptcy and real debts. At the same time, the non-pilot enterprises Pilot pilot policy of bankruptcy, evasion of bank debt situation is more serious. 2. Discretionary, vacant old