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在中国金融业1998年的信贷工作中,一种信贷方式的出现与国有工业企业的扭亏联系在一起,尽管它远不如消费信贷那样引人注目,但是,毫无疑问,这种信贷方式却是国有亏损工业企业的“及时雨”,这就是“封闭贷款”。 在中国经济学的词典里,“封闭”一词是与落后联系在一起的。而在中国信贷史上,“封闭贷款”则是送给亏损企业的礼物。为了支持国有亏损工业企业有销路、有效益产品市场,促使企业扭亏为盈,1997年9月,中国人民银行和国家经贸委联合下发了《关于支持国有亏损工
In the credit work of China’s financial industry in 1998, the emergence of a credit system was linked to the turning-point of state-owned industrial enterprises. Although it lagged far behind consumer credit, there is no doubt that this credit is State-owned enterprises in the loss of “timely rain”, which is “closed loans.” In the Chinese economics dictionary, the word “closed” is associated with backwardness. In the history of China’s credit, “closed loans” are gifts to loss-making enterprises. In order to support the sales of state-owned loss-making industrial enterprises and the profitable product market, the enterprises turned losses into profits. In September 1997, the People’s Bank of China and the State Economic and Trade Commission jointly issued the Circular on Supporting State-