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金融改革作为经济体制改革的重头戏正在紧锣密鼓地进行。国有专业银行要实现向商业银行的转换,就必然要盘话信贷资金,对金融资产实行市场化经营。然而,当前相当一部分银行信贷资金却陷进企业欠贷的泥潭,并造成大量流失。某沿海开放城市一家专业银行,到去年底各项贷款余额为20多亿元,其中企业逾期未还的贷款本息就超过4.5亿元。大
Financial reform as the highlight of economic restructuring is in full swing. If the state-owned specialized banks need to realize their conversion to commercial banks, they will inevitably have to negotiate credit funds and market-oriented their financial assets. However, a considerable part of the current bank credit funds have fallen into the quagmire of enterprise loans and caused massive losses. A specialized bank in a coastal open city has a loan balance of more than 2 billion yuan by the end of last year, of which the principal and interest of the overdue loans of the enterprises exceed 450 million yuan. Big