编辑同志:为解决资金周转困难的问题,我所在的化工厂1997年向职工集资了一批款项,约定借期二年,月息五分。现还款期限将到,很多职工向厂里要求还本付息,厂领导则以银行利率一再下调、贷款利息太高且厂里资金仍然困难为由,拒绝还款。请问,我厂的这种借贷行为有没有效?我们该怎么办?读者小江小江同志:我国法律规定,公民与非金融企业(下称企业) Editorial comrades: In order to solve the problem of cash flow difficulties, I am in the chemical plant in 1997 to fund-raising a batch of workers, agreed to borrow two years, five monthly interest rates. Now the repayment deadline will be, many workers to the factory to demand debt service, the factory leadership is to repeatedly cut bank interest rates, loan interest is too high and the factory funds are still difficult to refuse to repay. Excuse me, I borrow this plant has no effect? ​​How can we do? Reader Xiaojiang comrade: our law, civil and non-financial enterprises (hereinafter referred to as the enterprise)