论文部分内容阅读
1993年以来,我国金融体制改革已迈出了重要步伐,金融事业健康稳步发展,金融秩序稳定,金融法律法规不断完善。但是,还存在着一些问题:社会各界、广大干部职工包括各级领导干部缺乏金融知识,金融法制观念不强,金融风险防范意识淡漠。对乱办金融机构、乱集资的危害性认识不足,甚至有些地方出现了违反金融法规,假引资、真诈骗,假破产、真逃债的问题;有些领导没有搞清银行也是企业,同样要讲效益。他们认为银行是国家的,企业也是国家的,手心手背都是肉,使许多“行政决策”项目导致了银行的不良债权增加,加之企业资金紧张,效益不好时,贷款更难于偿还;还有,没有搞清银行的钱来
Since 1993, China’s financial system reform has taken an important step. Its financial business has been developing steadily and healthily, the financial order has been stabilized, and financial laws and regulations have been continuously improved. However, there are still some problems: All sectors of society and cadres and workers, including leading cadres at all levels, lack financial knowledge, the concept of financial legal system is not strong, and the awareness of financial risk prevention is indifferent. There is a lack of understanding of the dangers of indiscriminate fundraising in chaotic financial institutions. Some even have some problems of violating financial laws and regulations, fake foreign investment, true fraud, false bankruptcy, and real debt evasion. Some leaders fail to find out that banks are also enterprises. . They think banks are state-owned, enterprises are also state-owned, and the hands and backs are meat. Many “administrative decision-making” projects have led to the increase of banks’ bad debts. In addition, when the enterprises are in financial difficulties and the benefits are not good, the loans are harder to repay. Also, did not find out the bank’s money