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《中共中央关于经济体制改革的决定》指出:“根据马克思主义的理论和社会主义的实践,所有权同经营权是可以适当分开的”。事实上,银行信贷资金早就存在着这种“两权分离”的情况,即:银行对贷给企业的信贷资金具有所有权;企业对银行信贷资金具有使用权。但由于国家对金融实行垄断政策,信用集中于国家银行,因此,过去一个相当长的时期内,企业与银行的关系只是单纯的借贷关系。企业如何行使对信贷资金的使用权,用什么形式行使这种使用
The “Decision of the CPC Central Committee on Economic System Reform” pointed out: “According to the Marxist theory and the practice of socialism, ownership and management rights can be properly separated.” In fact, bank credit funds have long existed this kind of “two-power segregation” situation, that is, banks have ownership of credit funds that are lent to enterprises; enterprises have access to bank credit funds. However, because the state implements a monopoly policy on finance and the credit is concentrated in the national bank, the relationship between the enterprise and the bank in the past is only a simple one for a long period of time. How does an enterprise exercise its right to use credit funds?