近年来，山东省汤问市乡镇企业异军突起，取得了长足的进展，但由于各方面的原因，乡镇企业业务员挪用、截留货款现象非常严重，影响很坏，危害很大。最近，我们从执法的角度对这一问题进行了调查。现将有关情况分析如下：一、企业业务员截留、挪用贷款的主要特点1、业务员截留 In recent years, towns and township enterprises in Tangwen City, Shandong Province, have made remarkable strides. However, due to various reasons, appropriation and retention of loans by township and town enterprise business enterprises are very serious and have a very bad and harmful effect. Recently, we investigated this issue from the perspective of law enforcement. Now the situation is analyzed as follows: First, corporate salesman retained, misappropriation of the main features of the loan 1, the salesman retained