银行和企业对贷款应有共同关心的办法,把银、企利益和国家利益联系起来.在以计划为主的指导下,充分调动银、企的积极性,做到管好用好贷款,实现银、企和国家都有较好的经济效益.因此,应当充分发挥贷款利息的经济杠杆作用.国家规定固定的贷款利息,保证国家财政有稳定的收入,但对使用资金好的单位应降低利息,以资鼓励,对使用不好的单位,应加计利息,予以惩罚.只有实现了这种奖罚的利息制度,才能真正发挥利息的经济杠杆作用. Banks and enterprises should have common interest in loans, link silver, corporate interests, and national interests. Under the guidance of plans, fully mobilize the enthusiasm of banks and enterprises, manage and use loans well, and achieve silver. Both enterprises and countries have better economic returns. Therefore, the economic leverage of loan interest should be brought into full play. The state stipulates a fixed loan interest rate to ensure that the state finance has a stable income, but the unit with good use of funds should reduce interest rates. With the encouragement of capital, the unit that does not use well should be charged with interest and be punished. Only by realizing such an interest system of rewards and penalties can the real economic leverage be exerted.