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江苏铁本公司通过提供虚假财务报表骗取银行信用和贷款,挪用银行流动资金贷款20多亿元用于固定资产投资,造成巨大风险。在铁本案中,由于银行贷款审批不严和疏于管理、银企之间信息严重不对称等原因,给企业留下了很大的发挥空间,致使国家财产蒙受巨额损失,国内6家金融机构卷入其中,其教训是惨痛和发人深省的。在社会主义市场经济体制日益完善的今天,信贷风险的警钟再次敲响,迫使我们不得不思考一个问题,就是在市场经济条件下,如何重塑银企关系,实现银企双赢?
Jiangsu Iron The Company fraudulently obtained bank credit and loans by providing false financial statements and diverted more than 2 billion yuan of working capital loans from banks to invest in fixed assets, posing a huge risk. In the case of iron, due to the lax and neglected management of bank loans and the serious asymmetric information between banks and enterprises, it left a lot of room for enterprises to exert enormous losses on state property. Six domestic financial institutions Involved in the lesson is painful and thought-provoking. With the increasingly perfect socialist market economic system, the alarm bell for credit risk once again sounded, forcing us to ponder the question of how to restructure the relationship between banks and enterprises and achieve a win-win situation for both banks and enterprises under market economy conditions.