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宏观控制微观搞活,是经济体制改革中,金融工作的重要任务。加强结算管理,是实现这个任务的重要手段。近几年,由于放松了结算管理,结算环节堵塞,资金流通不畅。企业结算资金占用逐年上升,企业间的资金相互拖欠,相互占用。为了维持企业正常生产和经营,银行不得不多投放贷款。而贷款放出以后,又不能按期回笼。这是银行信贷规模扩大的一个重要原因。结算资金的不合理占用,从个别企业难以看出问题。若从某个系统或整个社会观察,其规模越来越大,呈逐年上升趋势。据湖北省乡镇企业(乡级以上企业)的统计资料,1980～1984年,应收款平均每年递增29.3％;贷款余额平均每年递增45.3％。拖欠延付也比较突出。过去异地结算一般只需10天左右,现在需15天。
The macro control of micro-invigoration is an important task of financial work in the reform of the economic system. Strengthening settlement management is an important means to achieve this task. In recent years, due to the loosening of settlement management, settlement of settlement links, and poor circulation of funds. The occupancy of enterprise settlement funds has been increasing year by year. Funds between enterprises have been delinquent and occupy each other. In order to maintain the normal production and operation of the enterprise, banks have to pay more loans. After the loan is released, it cannot be withdrawn on schedule. This is an important reason for the expansion of bank credit. The unreasonable use of settlement funds has made it difficult for individual companies to see the problems. Observed from a certain system or society as a whole, its scale is increasing, showing an upward trend year by year. According to the statistical data of township and village enterprises in Hubei Province (enterprises above the township level), from 1980 to 1984, average receivables increased by 29.3% annually; the average loan balance increased by 45.3% annually. Delayed payment is also more prominent. In the past, it usually takes about 10 days for settlement in different places. It now takes 15 days.