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我国企业转制刚开始起步,转制中出现的债务悬空问题已经引起人们的普遍关注。企业转制,贷款债务转移,这对银行、信用社信贷是否在影响,应该如何解决这些问题,笔者就这个问题谈一点看法。 一、影响了银行、信用社贷款的自主决策权 银行、信用社是在企业转制之后,重新确定落实贷款。企业转制,在转移资产的同时也转移债务,在享受权利的同时也承担相应的责任,企业的做法符合情理,但正是在这里,问题也就暴露出来了,企业转制可以自主决策,而银行、信用社的贷款则是随企业的转变而进行转移的,在这个转变过程中,银行、信用社贷款的自
The restructuring of Chinese enterprises has just started, and the problem of dangling debts in the restructuring has drawn people’s widespread concern. Corporate restructuring, loan debt transfer, which banks, credit unions are affected, how to solve these problems, the author talk about this issue. First, banks, credit unions that affect the autonomy of decision-making banks, credit unions in the restructuring of enterprises, to re-determine the implementation of the loan. Corporate restructuring, while transferring assets but also transfer of debt, while enjoying the right to bear the corresponding responsibility, the practice of the enterprise is reasonable, but it is here that the problem is exposed, the restructuring of enterprises can make their own decisions, and banks , The loans of credit cooperatives are transferred with the transformation of enterprises. In this transformation, the loans of banks and credit cooperatives