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造成企业拖欠银行利息的主要成因是：（１）企业经营管理不善，亏损严重；（２）企业过度负债，历史包袱重；（３）企业借改制之机逃废债务；（４）银行对企业项目调查不力，导致项目贷款欠息；（５）政策性贷款效益差，银行收息难；（６）企业多头开户、多头贷款等。对此，文章提出了健全银行内控机制，强化风险管理；银行参与企业改制，落实利息支付来源；加强企业项目管理；严格帐户管理，组织货款回行及强化内部管理，加大收息力度等具体对策措施
The main causes that cause the enterprise to owe bank interest are: (1) poor management and loss of the enterprise; (2) over-indebtedness and heavy historical burden; (3) enterprises escape the debt by means of the reform of the system; (4) Poor project investigation, leading to project loans owed interest; (5) poor policy loans, bank receipts difficult; (6) business long account, long loans and so on. In this regard, the article proposed to improve the bank’s internal control mechanism and strengthen risk management; bank participation in enterprise restructuring, the implementation of interest payment sources; strengthen enterprise project management; strict account management, organizational loan repayment and strengthen internal management, Countermeasures