信贷资金保值增值的障碍与对策陈齐芳（一）近些年来，企业拖欠银行贷款和赖帐现象日益严重，银行信贷资金的保值增值问题越来越引起人们的关注。归纳起来，银行信贷资金难以收回的现象主要有以下几种。一是不少企业以理顺产权关系为借口，采取所谓＂死一块、活一块＂，＂... Obstacles and Countermeasures for Preservation and Appreciation of Credit Funds Chen Qifang 1. In recent years, the phenomenon of bank loans and repudiation by enterprises has become increasingly serious. The issue of maintaining and increasing the value of bank credit funds has drawn more and more attention. To sum up, the phenomenon of bank credit funds are difficult to recover mainly the following. First, many enterprises to rationalize property rights as an excuse to take the so-called “one piece, one piece,” "...