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商业银行作为经营货币资金的特殊企业 ,同一般工商企业相比一个显著的区别就是它的高负债率。由于其资产的绝大部分都来自于社会公众 ,因而信誉的高低是商业银行能否生存的一个决定性因素。而其经营状况的好坏又直接决定了其信誉的高低 ,由于在银行总资产中信贷资产即货款又占
As a special enterprise that manages money and money, commercial banks have a significant difference from the average business enterprise in terms of their high debt ratio. Because most of its assets come from the public, the level of credit is a decisive factor in whether commercial banks can survive or not. And its operating conditions directly determine the level of its credibility, as in the bank’s total assets in the loan assets that the goods accounted for