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第一个问题是中国已经开始产生了一种潜在的信用危机,而且越积越多。我国的信用主要由三个主体构成,即居民、银行、企业,居民把钱存进银行,居民成为了债权人,银行成为债务人,银行又将资金贷给企业,银行成为债权人,企业成为债务人,这样形成信用链条。而现在银行把居民的钱吸收来贷给企业却收不回来,去年我国贷款总规模2.7万亿元,其中居民存款约有2万亿元。去年企业的贷款中有20%既不能还本也不能付息,还有30%只能付息,不能还本,50%不能还本13000多亿还不回来。这些占居民存款的60%多。在链条中应该是借债还钱,链条才能正常运转。可是现在存在着一种潜在的危机,假如有一天居民都要到银行提钱,银行就有破产的危险。这个问题产生的关键是企业不活,而为了保护国有企业,又实行了对国有企业的行政性的贷款优惠。要在短期内解决这个问题,只有对效益不好的企业一律不
The first issue is that China has started to create a potential credit crisis, and it is accumulating. China’s credit is mainly composed of three main bodies, that is, residents, banks, enterprises and residents deposit money into banks, residents become creditors, banks become debtors, banks lend funds to enterprises, banks become creditors, and enterprises become debtors Form a credit chain. Now, banks have absorbed residents’ money to lend to enterprises but have not recovered it. Last year, China’s total lending size was 2.7 trillion yuan, of which about 2 trillion yuan was for deposits of residents. Last year, 20% of the loans of enterprises can not repay capital and interest, and 30% can only pay interest, can not repay, 50% can not repay more than 1.3 trillion yuan and do not come back. These accounts for more than 60% of residents’ deposits. In the chain should be debt repayment, the chain can be normal operation. But now there is a potential crisis, if one day residents are going to the bank to raise money, the bank is in danger of bankruptcy. The crux of this problem is that enterprises are not viable, and in order to protect state-owned enterprises, they also implement the administrative loan preferential treatment for state-owned enterprises. To solve this problem in a short period of time, only those enterprises that do not benefit well will not