在贷款管理方式的改革中,有些企业认为存贷分户后会增加企业的利息支出。事实上只要企业加强进货管理,保证合理正常的存款余额,就不会增加企业的利息支出。银行信贷制度规定,凡实行存贷分户改革的商业企业,贷款利率下浮5％(即按5.7％计息),只要企业保证合理的存款余额,这个5％的下浮利息是足以抵补因实行存贷分户而增加的利息支出的。例如,某单位的贷款平均占用为100万元,存贷分户后,因贷款利息下浮,每月可减少利息支出300 In the reform of loan management methods, some enterprises think that the separation of deposits and loans will increase the interest expenses of enterprises. In fact, as long as the company strengthens its purchase management and guarantees a reasonable and normal deposit balance, it will not increase the company’s interest expenses. The bank’s credit system stipulates that for commercial enterprises that implement the reform of savings, loans and households, the loan interest rate will be increased by 5% (ie, 5.7%). As long as the company guarantees a reasonable balance of deposits, this 5% of floating interest is sufficient to offset the The increase in interest expenses for loans to households. For example, the average loan of a unit is 1 million yuan. After the deposit and loan is separated, the loan interest will go down, and the monthly interest expense can be reduced by 300.