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目前,建筑企业流动资金普遍紧张,除企业本身要加强资金管理,提高资金使用效果外,提出如下四点建议,供参考。 1、存贷合一。将施工企业在建设银行开立的存款户和贷款户合并为一个帐户,以存贷合并的余额积数计算利息,开户行只需控制余额不超过单位计划贷款指标。这样既可减少国家信贷资金的投放,又可充分发挥企业资金使用效果,解决有的企业既有大笔存款,又有大笔贷款的不合理状况。 2、改革工程价款结算方式。将“支票结算”改为“托收承付结算”只要有合法凭证和建设单位的签章,建行就可执行结算纪律,如到期无款支
At present, the liquidity of construction companies is generally tense. In addition to the company itself to strengthen capital management and improve the use of funds, the following four suggestions are proposed for reference. 1, deposit and loan unity. Combining the depositor and loaner opened by the construction company in the Construction Bank into an account, and calculating the interest based on the accumulated balance of deposits and loans, the bank only needs to control the balance not to exceed the unit plan loan target. This will not only reduce the availability of state credit funds, but also give full play to the effectiveness of corporate funds, and solve the problems of some companies that have large deposits and large loans. 2. Reform the project price settlement method. Change “Check Settlement” to “Acquisition Settlement Settlement” As long as there are legal certificates and the signature of the construction unit, CCB can implement settlement rules, such as no money due.