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企业产权制度改革，是建立现代企业制度的必由之路，也是经济体制改革的重点和难点。银行如何适应企业产权的变化，管好用活信贷资产是当前金融工作中亟待研究的新课题。（一）长期以来，由于受计划经济体制下旧的产权制度束缚，企业的经济效益越来越不理想，部分企业已陷入困
The reform of enterprise property right system is the only way to establish the modern enterprise system and also the key and difficult point of economic system reform. How banks adapt to the changes of property rights and how to manage their live credit assets are the new topics to be studied urgently in the current financial work. (A) For a long time, due to the old property rights system under the planned economy, the economic benefits of enterprises are becoming less and less satisfactory. Some enterprises have fallen into poverty