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企业改革的实质是转换经营机制、建立现代企业制度,专业银行改革的方向是向国有商业银行转变。二者互为条件,相互依存。企业转制这项改革措施的出台,为加快建立社会主义市场经济起到积极推动作用,也是推进现代化建设的关键,不仅给企业自身带来了巨大变革,同时也给银行改革带来了巨大的影响和挑战。目前企业改革存在着一些畸形现象,主要表现在:一是有的企业借破产之机逃避银行债务。企业自有积累很少,生产经营资金80%以上靠银行贷款、银行是企业最大的债权人、企业寻求破产、其目的是为了逃避银行债务、二是企业变相悬空银行债务、有些地方和企业借实行股份制改革、破产、兼并、租赁、合资等转制之
The essence of enterprise reform is to change the management mechanism and establish a modern enterprise system. The direction of the reform of specialized banks is to transform from state-owned commercial banks. The two are mutually dependent and interdependent. The introduction of this reform measure in enterprises has played an active role in accelerating the establishment of a socialist market economy. It is also the key to pushing forward the modernization drive. It has not only brought about tremendous changes to the enterprises themselves, but has also brought tremendous impact on banking reform And challenge. At present, there are some abnormalities in the enterprise reform, which are mainly manifested in the following aspects: First, some enterprises evade bank debt by means of bankruptcy. Enterprises accumulate very little, more than 80% of production and operation funds rely on bank loans, banks are the largest creditors of enterprises, enterprises seek bankruptcy, whose purpose is to evade bank debt. Second, corporate disguised vacant bank debt. In some places and enterprises Joint-stock reform, bankruptcy, mergers, leases, joint ventures and other restructuring