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为适应社会主义市场经济发展的需要,各地目前正在进行大规模的企业转换经营机制活动。企业转制,从实质上说,是信用社与企业发生的信用关系的一种变革。企业转制给信用社带来的最大问题是:贷款被悬空,债务无法落实。企业在转换经营机制过程中,如何防止信贷资产流失是摆在当前的一项紧迫工作。 一、企业转制、悬空贷款的几种表现形式 1、企业兼并、合并,贷款(债务)却不并。 兼并、合并另一个企业的同时,本应抓债权债务的落实,但
In order to meet the needs of the development of a socialist market economy, various large-scale enterprise transformation and management mechanism activities are under way. Corporate restructuring, in essence, is a change in the credit relations that occur with credit unions and enterprises. Corporate restructuring to the credit union brings the biggest problem is: loans are vacant, debt can not be implemented. How to prevent the loss of credit assets during the process of converting business operations is an urgent task nowadays. First, corporate restructuring, several forms of suspension loans 1, mergers and acquisitions, mergers and loans (debt) but not. Mergers and mergers of another business at the same time, should have been credited debt obligations, but