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自银行对商业企业的信贷实行“存贷分户”管理,并规定对企业的贷款计划指标一年一定,不轻易调整后,我们有些企业,不分正常与临时需要,只考虑超过贷款计划指标,申请临时贷款,就要增加利息开支的一面,而忽视资金的时间价值这项重要因素。在编制贷款计划时,采取宽打窄用的办法,致使信贷资金出现大量的应贷应存。这不仅增加企业利息负担,同时也扩大了银行信贷指标,增加了货币投放数量,对金融、市场和社会经济生活都会产生不利影响。当然把
Since the implementation of the “deposit-loan-sharing” management of credit for commercial enterprises by the banks and the stipulation that the loan-planning targets for enterprises are certain for a year and are not easily adjusted, some of our enterprises, regardless of normal and temporary needs, only consider exceeding the loan plan targets , Apply for a temporary loan, it is necessary to increase the interest expense side, while ignoring the time value of funds, an important factor. When preparing a loan scheme, we should adopt a lenient approach to narrowing down the loans. As a result, a large number of loans should be available for credit funds. This not only increases the interest burden on enterprises, but also expands bank credit indicators, increases the amount of money put in, and adversely affects the financial, market and social economic life. Of course