“以货还贷”是用新增贷款来偿还原欠旧贷.贷款必须按计划发放和使用;必须有物资保证;必须按时归还.这三条是借款企业和银行必须共同遵循的准则.“以贷还贷”违背了这些原则,企业对贷款无力偿,表明它还没有相应的物资保证,或者由于产品不能适销对路,不为社会所承认.这就要求信贷人员从调查入手,分析问题的所在,帮助企业寻求切实可行的解决办法.决不能用“以贷还贷”办法掩盖矛盾,纵容企业管理混乱,继续盲目地生产经营下去.总行和省分行早已先后转发了国务院关于工商企业无力偿还的贷款应一律转入逾期贷款专户,并 “Repaying loans with goods” is to use the new loans to repay the old loans. The loans must be issued and used as planned; must have material guarantees; must be returned on time. These three are guidelines that must be followed by both the borrowing company and the bank. “Repayment with loans” violated these principles, and the company did not pay for the loans, indicating that it had no corresponding material guarantees, or that the products could not be marketable and not recognized by the society. This required credit personnel to start investigations. Analyze the problem and help the company to find a practical and feasible solution. Never use the method of “repaying loans with loans” to cover up contradictions, condone business management confusion, and continue to blindly continue production and management. The head office and provincial branches have already transmitted The State Council’s loan on the inability of industrial and commercial enterprises to be repaid shall be transferred to the overdue loan account.