企业多头开户,始终是困扰金融管理部门的一大难题。它不仅扰乱了正常的金融秩序和社会经济秩序,而且极不利于当前专业银行向商业银行的健康转变。多头开户现在对企业和银行来说是双面钉,两者都如芒在背,必须尽快采取对策加以解决。 一、企业多头开户的成因 ① 多获取贷款。近年国家宏观调控力度加强,无论哪家银行的流动资金贷款都处于紧张状态,在资金投放上存在供与求的矛盾,“僧多粥少”。企业为了多得到贷款,就到多家 Long corporate accounts have always been a major problem for financial management departments. It not only disturbs the normal financial order and social economic order, but also is extremely detrimental to the current transition of professional banks to commercial banks. Long accounts are now double-sided for companies and banks, both of which are on their backs and must be resolved as soon as possible. First, the causes of long-term corporate accounts 1 more than obtain loans. In recent years, the state’s macroeconomic regulation and control efforts have been stepped up. No matter which bank’s liquidity loans are in a state of tension, there is a conflict between supply and demand in terms of funding. In order to get more loans, companies go to many