目前 ,兵团国有企业资产负债率已达到 82 1 %,严重制约着兵团经济的发展。降低企业资产负债率 ,缓解银企矛盾 ,建立新型银企关系势在必行。本文从三个方面提出了自己的看法 :一是银企联手降低企业资产负债率 ;二是构建新型银企关系 ,银企共同发展 ;三是实行产融结合 ,以推进兵团银企关系顺利重建。 At present, the assets and liabilities of the state-owned Corps have reached 82.1%, seriously restricting the economic development of the Corps. It is imperative to reduce the asset-liability ratio, ease the contradictions between banks and enterprises, and establish a new type of relationship between banks and enterprises. This article puts forward my own views from three aspects. One is that banks and enterprises jointly reduce their asset-liability ratio; the other is to establish a new type of relationship between banks and enterprises, with the common development of banks and enterprises; and the third is to combine production with finance so as to promote the smooth reconstruction of the relationship between banks and enterprises .