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在改革的探索过程中,人民银行从委托专业银行对企业的代理放款,改为目前的对企业直接放款。我们认为此法欠妥。首先,弱化了国家宏观经济政策的贯彻执行,扰乱了金融工作秩序。基层人行对企业直接放款,由于它不可能及时全面地了解掌握企业生产经营情况,就会出现该压的压不了,该限的限不了的情况,给产品结构、贷款结构调整带来困难。
In the course of the exploration of the reform, the People’s Bank of China replaced the current direct loans to the enterprises by entrusting specialized banks to lend money to the agents of the enterprises. We think this method is flawed. First of all, we have weakened the implementation of the national macroeconomic policies and disrupted the order of financial work. Grass-roots pedestrians directly make loans to enterprises, because it can not understand the situation of production and operation in a timely and comprehensive manner. This pressure can not be suppressed. The limit of the limit can not help the product structure and loan structure adjustment.