当前,一些专业银行出现了资金短缺,支付困难,经营日益陷入困境。造成这种现象的根本原因是银行收贷收息难。 一、银行收贷收息难的原因剖析 据对33家国有大中型贷款企业的调查表明,主要由于企业经济效益差,历史包袱沉重,行政干预和企业经营行为不规范,企业严重欠贷、逃息因素影响外,银行收贷收息还有以下主要难点: (一)母体裂变,破产逃债。随着现代企业制度的逐步建立,企业加快内部经营机制转换步伐,生产经营权下放,一些企业将原有车间、科室转变为二级法人。而原有企业一级法人只保留少数管理人员,大部分人员、资产由二级法人调配,只要能收到管理费,其它一概不管。 At present, some specialized banks have encountered a shortage of funds, difficulties in payment, and increasingly troubled operations. The root cause of this phenomenon is the bank loan recovery difficult. I. Analysis of Reasons for Difficulty of Receiving and Paying Loans and Receivers According to a survey of 33 large and medium-sized state-owned lending companies, it is mainly due to the poor economic returns, heavy historical burdens, non-standard administrative interventions and business practices, serious corporate defaults, Interest factors, the bank loan collection and payment of interest there are the following major difficulties: (A) the mother fission, bankruptcy escape debt. With the gradual establishment of a modern enterprise system, enterprises speed up the conversion of internal management mechanisms and the decentralization of production and management rights. Some enterprises turn existing workshops and departments into second-level legal persons. However, the original corporate-level legal person only retained a few managerial staffs and most of the staffs. The assets were allotted by the second-level legal persons. As long as they could receive the administrative expenses, the other parties did not care.