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1986年中国人民银行总行在《关于做好当前流动资金贷款的补充通知》中规定:新建、扩建企业需要投产,不能备足30％的自有流动资金,要求银行贷款的,银行应从实际出发,在这30％以内发放特种贷款,利率月息9厘,其余70％按一般流动资金贷款发放。按照这个规定,银行虽然给予企业30％自有资金贷款,但利率太高,企业承受不了。目前银行发放高利率贷款,大都是由于企业在生产经营过程中出现失误,因而采取高利率或加息办法促使企业改善经营管理。但新建、扩建企业未备足30％的
In 1986, the People’s Bank of China’s head office stipulated in the “Supplementary Notice on the Current Working Capital Loan” that new-build and expansion enterprises need to be put into production, and they must not have enough 30% of their own liquidity funds. If banks are required to make loans, banks should proceed from reality. Within this 30%, special loans will be issued, interest rates will be 9% per month, and the remaining 70% will be issued as general working capital loans. In accordance with this provision, although banks give companies 30% of their own funds for loans, interest rates are too high for companies to bear. At present, high-interest loans issued by banks are mostly due to mistakes made by enterprises in the production and operation process. Therefore, high interest rates or interest rate hikes are used to encourage enterprises to improve their operations and management. However, new or expanded companies are not fully equipped with 30%