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自去年以来,由于全国粮食购销市场疲软,粮食企业超储积压,经营举步维艰,亏损不断扩大。要改变这种状况,从企业改革成功的经验看,很重要的一条就是要实施企业兼并破产。通过兼并破产,建立优胜劣汰机制,实现存量资产流动和重组,提高资源和生产要素的配置效率。这对于农业发展银行来说,提出了新情况,新问题。其中最突出的问题就是企业在兼并破产过程中,信贷资产难以保全。下面就此,谈点粗浅的看法:一、企业兼并破产对信贷资产的影响1、在有些地方银行不能参与企业兼并破产改制过程,使银行信贷管理工作陷入被动。在当前企业破产实施过程中,有的企业和主管部门搞封闭式破产,破产预案和破产财产划分过程有意回避银行,事实形成后,银行对企业兼并破产动因不清,动态不明,无法及时采取相应对策,形成银行贷款被悬空的局面。2、有些企业借改革之名,废债逃债,造成大量信贷资产流失。3、认识中的偏差,致使大量贷款长期呆滞。粮食企业一直是“吃政策饭”的国有企业,经营者大部分在长期计划经济体制的影响下,思想观念转变慢,对市场经济一时还难以适应,认为银行贷款是国家的,企业也是国家的,所以,还贷意识
Since last year, due to the sluggish grain purchasing and marketing market in the country, the grain enterprises have overstocked their reserves and their operation has been struggling and their losses have been constantly expanding. To change this situation, from the successful experience of enterprise reform, it is very important to implement the enterprise merger and bankruptcy. Through the merger and bankruptcy, the establishment of the mechanism of survival of the fittest, the realization of the flow of assets and reorganization of stock and improve the allocation efficiency of resources and production factors. This is for the Agricultural Development Bank, put forward new situations and new problems. One of the most prominent problem is that in the process of merger and bankruptcy, the credit assets can not be preserved. In this connection, talk about the superficial view: First, the impact of corporate mergers and bankruptcies on credit assets 1, in some places banks can not participate in mergers and acquisitions bankruptcy restructuring process, bank credit management into passive. In the current bankruptcy implementation process, some enterprises and competent departments to engage in closed-end bankruptcy, bankruptcy plan and the process of bankruptcy property deliberately avoid the bank, the fact is formed, the bank mergers and bankruptcy motivation is unclear, the dynamics are unknown, can not be taken in time Countermeasures, the formation of bank loans are vacant situation. 2, some companies borrow the name of the reform, absconded debt, resulting in a large loss of credit assets. 3, understanding of the deviation, resulting in a large number of long-term loans sluggish. Food enterprises have always been state-owned enterprises that “eat policy rice.” Most of the operators, under the influence of the long-term planned economic system, have been slow to change their concepts and attitudes towards the market economy for a while. They think that bank loans are national and enterprises are also National, so, repayment awareness