银行统一管理企业流动资金后,理论界和实际工作者对此提出了一些很好的管理方法,但是这些办法都没有跳出“有贷户”的圈圈,对“无贷户”的流动资金管理还缺乏认真研究。常德市国营工商企业中“无贷户”有113户,占国营工商企业总数的42.8％。这些企业大致可分为四种类型:(1)工、商、物资和供销企业。这类企业有“无贷户”97户,其共同特点是国拨流动资金宽裕,往往超过了维持正常生产和经营的需要,资金使用效益差,有些企业银行帐面存款一般都有几十万元。(2)交通运输企业。这类企业共有8户,其中无贷户有7户,普遍存在着国拨流动资金偏多的情况,造成资金运用上的浪费。(3)电力、邮电、供水、安装、房产等公共服务部门,这类企业全部是无贷户,国拨流动资金基本上能满足 After banks unifiedly managed corporate liquidity, theoretical circles and practical workers put forward some very good management methods. However, these methods did not jump out of the circle of “loans” and the management of liquidity of “no loans”. There is also a lack of serious research. The state-owned industrial and commercial enterprises in Changde City have 113 households with no loans, accounting for 42.8% of the total number of state-owned industrial and commercial enterprises. These enterprises can be roughly divided into four types: (1) Industrial, commercial, material and supply and marketing companies. Such enterprises have 97 households without loans. Their common feature is that the country allocates abundant liquidity, often exceeding the need to maintain normal production and operations, and the use of funds is poor. Some corporate bank accounts generally have hundreds of thousands of deposits. yuan. (2) Transportation enterprises. There are 8 such enterprises, among which there are 7 households without creditors. There is a general situation that the State allocates a large amount of liquidity, which results in waste of funds. (3) Public service departments such as electricity, post and telecommunications, water supply, installation, and real estate, all of which are non-lending households, and the national allocation of liquidity can basically meet