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企业过度负债,是制约企业转换经营机制的一大历史包袱;银行信贷资产质量低下,则是困扰专业银行向国有商业银行转轨的一大难题。研究如何盘活资金,加速资金周转,提高信贷资金使用效益,以便提高银行的经营效益,加快专业银行向商业银行的转机步伐,是经济、金融界的理论工作者和实际工作者关注最多的问题。究竟怎样盘活资产存量,笔者认为,将贷款增量与存量盘活挂勾,对提高信贷资产质量及其使用效益,无疑是一种有益的尝试。 一、转变观念,重塑银企关系,致力盘活资产存量
Over-indebtedness of enterprises is a great historical burden restricting enterprises’ transformation of operating mechanism. The low quality of credit assets of banks is a major problem that plagues specialized banks in their transition to state-owned commercial banks. To study how to revitalize funds, speed up the flow of funds and improve the efficiency of the use of credit funds in order to enhance the operating efficiency of banks and speed up the transition from specialized banks to commercial banks are the most concerned issues of the theoretical and practical workers in the economic and financial fields. How to revitalize the stock of assets, the author believes that the incremental loans linked to the stock market activity, to improve the quality of credit assets and the use of efficiency, is undoubtedly a useful attempt. First, change concepts, reshaping the relationship between banks and enterprises, is committed to revitalizing the stock of assets