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在目前企业资金紧张,贷款严重拖欠的情况下,一些企业成立了“讨债队”,对摸清欠款单位的资金现状和信誉情况,对症下药,及时收回应收贷款;配合全国清欠工作顺利进行都是十分必要和有益的。但是,由于“讨债队”本身的局限性,应持审慎态度,不能过多,否则就会带来如下一些负效应: 1.劳民伤财。全国各个企业都或多或少有“欠人”或“人欠”贷款,其中有相当一部分是属于正常往来贷款。如果不区别具体情况,只要有往来业务的单位就成立讨债队,不仅浪费人力,而且增加差旅费支出,加重企业负担。 2.徒劳无功。在目前的拖欠贷款中,有相当一部分是因为企业资金过于紧张所致,在这种情况下,讨债队再多,逼得再
In the current situation of enterprise funds shortage and serious default of loans, some enterprises set up “debt collection teams” to find out the status quo and credit status of funds in arrears units and prescribe remedial measures in a timely manner and to recover loan receivables in time. In line with the smooth progress of national debt collection Are all very necessary and useful. However, due to the limitations of the “debt collection team” itself, it should be cautious and not too much. Otherwise, it will bring about some negative effects as follows: 1. All enterprises across the country have more or less “owed” or “owed” loans, a considerable part of which are normal loans. If we do not distinguish the specific circumstances, as long as there are business units to set up debt collection team, not only a waste of manpower, but also increase travel expenses, increase business burden. 2. In vain In the current default loans, a considerable part of the enterprise funds are due to too much tension in this case, the debt collection team more, forcing again