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目前转换企业经营机制的深层次改革正在全面进行,与之有密切联系的银行如何面对新情况,强化信贷管理,减少信贷资产损失显得十分重要。为此,我们对涉及农行贷款的房县企业改制情况进行了调查,并研究了相应的信贷对策。一、企业改制形式及基本情况(一)企业改制的形式八月五日,房县县委、政府作出“关于进一步深化企业改革,推动公有经济民营化”的决定。以建立现代企业制度为目标,以放小转民为基本取向,通过买断转民、控股转民、租赁转民、股份合作转民、破产转民等形势,加快公有制企业民营化改革的进程是全县中小企业新一轮改制的重要内容。其改制的基本形式概括主要为如下几种:1、整体出售。对于企业资产大于其负债的企业,由购
At present, the deep reform to transform the operation mechanism of enterprises is in full swing. It is very important for banks with close ties to face the new situation, strengthen credit management and reduce the loss of credit assets. To this end, we conducted a survey on the restructuring of Fang County businesses involving ABC loans and studied the corresponding credit measures. I. Forms and Basic Information of Enterprise Restructuring (I) Form of Enterprise Restructuring August 5, Fang County county government and the government made the “Decision on Further Deepening Enterprise Reform and Pushing Public Ownership Privatization”. To establish a modern enterprise system as the goal, to reduce the transfer of people as the basic orientation, through the buy-off and transfer, holding the transfer of people, leasing and transferring, joint-stock transfer of migrants, bankruptcy and other situations to speed up the process of privatization of public-owned enterprises reform process It is an important part of the new round of restructuring of SMEs in the county. The basic form of its restructuring summarized mainly as follows: 1, the overall sale. For businesses whose assets are greater than their liabilities, buy by