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所谓“以资定贷”就是依据借款人所拥有的资本金的多少及其变化趋势和内在质量来确定贷款额度。随着市场经济体制的日渐深入,信贷资金的市场配置成其必然。与此相适应,基层商业银行现行的“以销定贷”原则和当“以效定贷”原则也必须被更先进更科学的“以资定贷”所取代。我国信贷资金的供给和分配,由传统体制下的“计委点菜、银行拿票子”的“以产(值)定贷(款)”“进化”到“以销定贷”是一镒历史性的进步,但它在理论上仍具有明显的局限性,因为它考核的仅是产出(销售收入)而忽视了投入,尤其是
The so-called “loan-by-loan” refers to the determination of the loan amount based on the amount of capital owned by the borrower and its changing trend and inherent quality. With the deepening of market economy system, the market allocation of credit funds becomes its inevitable. In line with this, the principle of “fixing loans by sales” and the principle of “stipulating loans by effective means” of grassroots commercial banks must also be replaced by more advanced and more scientific “loans by funding”. The supply and distribution of credit funds in our country are “evolved” from “fixed assets (value) fixed loans (funds)” under the traditional system to “fixed assets loans by sales” of " However, it still has obvious theoretical limitations because it evaluates only output (sales revenue) while neglecting input, especially