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商业企业由“存贷合一”改为“存贷分户”以后,如不能控制存款余额,就会出现银行贷款过大,存款过多的现象,这不仅增加了利息开支,降低了本企业的经济效益,而且也会影响到整个社会资金的合理使用。目前,商业批发企业的存款月利率是1.5‰,向银行贷款分为定额贷款和临时贷款两种,定额贷款月利率为5.7‰,临时贷款月利率是6‰。如果存款余额能掌握得当,就能减少利息支出。例如:某企业向银行贷款后,一般只需要保持50万元的存款余额,就能保证正常业务的开展,而该企业的存款户余额却一直保
If the commercial enterprises are changed from “deposit-one-loan-one” to “deposit-loan-split-household”, if they can not control their deposit balances, they will experience excessive bank loans and excessive deposits, which will not only increase interest expenses and reduce the cost of the enterprise The economic benefits, but also affect the rational use of the entire social funds. At present, commercial wholesale enterprises’ monthly interest rate for deposits is 1.5 ‰. Loans to banks are divided into fixed-rate loans and temporary loans. The monthly interest rate of fixed-rate loans is 5.7 ‰ and the monthly interest rate of temporary loans is 6 ‰. If the balance of the deposit can be properly controlled, we can reduce the interest expense. For example, after an enterprise lends money to a bank, it normally only needs to maintain a deposit balance of 500,000 yuan to ensure the normal business development while the deposit balance of the enterprise has been maintained