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建立现代企业制度,为改善银行信贷资金营运状况提供了机遇,对银行信贷工作产生一系列深远积极影响:有利于强化银行信贷管理;有益于减轻银行信贷资金压力,优化资金配置;有助于金融企业制度创新,真正转换国有商业银行经营机制;还有利于摆脱信贷工作中的行政干预,增强银行贷款独立决策权。但是,随着新型现代企业制度的确立和运作,大量新型金融关系和金融活动的出现,以及新旧体制的摩擦和冲撞,也给金融信贷工作带来了新的矛盾和问题。
The establishment of a modern enterprise system provides an opportunity to improve the operating conditions of bank credit funds and has a far-reaching and positive impact on bank credit work. This will be conducive to strengthening bank credit management, reducing the pressure on bank credit funds and optimizing fund allocation. It will also help finance Enterprise system innovation, the real conversion of state-owned commercial banks operating mechanism; also help to get rid of credit in administrative intervention, enhance the independence of bank loans decision-making power. However, with the establishment and operation of a new modern enterprise system, the emergence of a large number of new financial relationships and financial activities, as well as the friction and collision between the old and new systems, have also brought new conflicts and problems to the financial and credit work.