一、信贷风险形成的原因在产权制度改革中,有些企业千方百计地撇下银行贷款及利息债务,使银行投向企业贷款的风险有增无减,经调查,主要表现在以下几个方面:一是企业产权变动,银行债务架空。有些地方政府借转换企业经营机制之名,在产权制度改革中明确债权,不落实债务,采取“金蝉脱壳”之计,或划小核算单位。搞“母子分离”;或“另立门户”搞“主经营”;或以“入股”、“租凭”形式将资产向新企 First, the reasons for the formation of credit risk In the reform of property rights, some enterprises do everything possible to leave bank loans and interest debt, the bank’s investment in corporate loans increased unabated risk, after investigation, mainly in the following aspects: First, Changes in corporate property, bank debt overhead. Some local governments, by changing the name of the operating mechanism of their enterprises, make explicit claims on the reform of the property rights system and do not implement the debt. They have adopted the plan of “withdrawing cicada” or planning small units of account. Engage in “mother-child separation”; or “separate portal” engage in “main business”; or “share”, “lease” in the form of assets to the new business