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年未银行突击放货已成为目前金融业经营过程中存在的普遍现象.仅就华阴市而言,各银行1995年12月份共新增贷款4472万元,占全年新增贷款8208万元的54.5%,而同期收购贷款和农业贷款等正常需要的贷款仅增长600多万元.这些贷款究竟投放到了哪里?笔者对此进行了深入的调查,发现有以下几个问题.其一:放贷缴税.目前,中西部地区经济还不发达,大部分企业经营效益不佳,部分企业税款不能及时上缴,地方政府为完成财政收入任务,强令各银行年末向这些企业发放贷款,根本不顾及银行信贷资
In recent years, Bank non-bank assault delivery has become a common phenomenon in the current financial business process.Only in Huayin City, the banks added a total of 44.72 million yuan of loans in December 1995, accounting for 820.8 million yuan of new loans for the year Of the 54.5%, while the acquisition of loans and agricultural loans over the same period, such as the normal needs of loans increased by only 6000000 yuan.Are these loans to where? I conducted an in-depth investigation and found the following questions: First, lending At present, the economic development in the central and western regions is still underdeveloped, the operating efficiency of most enterprises is not good, taxes on some enterprises can not be turned over in time, and local governments are forced to make loans to these enterprises at the end of the year And bank credit funds