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与其他企业主体一样,商业银行以实现利润的最大化为其经营目标,同时,商业银行也承担着为市场交易主体提供资金支持这一特殊的职能,其为社会经济的正常运转提供资本保障。而消费信贷和授信是银行的两大业务,其债权保护直接关系到银行自身发展,甚至影响整个社会的稳定。然而,当前,许多企业借助企业改制逃避银行债务、使银行债权悬空、恶意逃债废债等手段使得银行债权无从兑现。一些个人也看准了我国银行信用法律体系尚不健全这一“契机”逃避银行债权。
Like other business entities, commercial banks aim to maximize their profits. At the same time, commercial banks also undertake the special function of providing financial support to market participants, which provides capital guarantee for the normal operation of the social economy. Consumer credit and credit granting are two major businesses of the bank. The claims protection has a direct bearing on the development of banks and even the stability of the entire society. However, at present, many enterprises resort to corporate restructuring to evade bank debt, making bank claims vacant and maliciously evading debt and debts so that bank claims can not be honored. Some individuals also spotted the credit legal system in China’s banking system is still not perfect this “Chance ” to evade bank claims.