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一九八五年四月起施行的《借款合同条例》为实行独立经济核算的全民和集体所有制企业、事业单位同银行、信用合作社之间订立借款合同,调整他们之间的借贷关系,以及为法院审理这类纠纷,提供了法律依据。但对企业、事业单位与非金融单位发生的借款关系,如何处理尚无专门规定。近年来,国家银根收紧,银行贷款紧缩,尤其是随着治理、整顿的深入,企业向金融单位贷不到款,便自找门路,企业之间或企业与个体户之间发生借贷关系,
The “Loan Contract Ordinance”, which came into effect in April 1985, is a loan contract concluded between the whole people and collective-owned enterprises and public institutions that implement independent economic accounting with banks and credit cooperatives to adjust their lending relationship. Courts handle such disputes, providing a legal basis. However, there is no specific regulation on how to handle the loan relationship between enterprises, institutions and non-financial institutions. In recent years, the state has tightened its monetary policy and tightened its lending system. In particular, with the deepening of governance and reorganization, enterprises can not borrow money from financial institutions and find ways to borrow money. Lending relationships exist between enterprises or between enterprises and self-employed individuals.