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长期以来,我国在计划经济体制下,企业是单纯的生产经营单位,银行是按政府指令履行管理监督资金运用职能的会计、出纳。企业和银行同吃一口“大锅饭”。改革开放15年来,这种格局发生了重大变化。《中共中央关于建立社会主义市场经济体制若干问题的决定》提出,要加快金融体制改革,建立政策性银行,发展商业银行和其他金融机构,使现有的专业银行逐步转变为自主经营、自担风险、自负盈亏、自求平衡、自我约束、自我发展的商业银行,以适应市场经济的要求。然而,由于解决旧体制下长期形成的一些问题需要一定过程,加上企业主要是国有大中型企业经营机制改革有待深化,使银行和企业在一些问题上一时还难于相互适应,既制约了银行改革的顺利发展,也影响到整个经济体制改革。要解决这个问题,需要依靠银行自
For a long time, under the planned economic system, our country is a purely production and business unit, and the bank is performing accounting and cashiering functions that supervise and supervise the use of funds according to government directives. Enterprises and banks eat a “big pot of rice.” In the past 15 years of reform and opening up, this pattern has undergone major changes. The “Decision of the Central Committee of the Communist Party of China on Several Issues Concerning the Establishment of a Socialist Market Economic System” proposes that we must speed up the reform of the financial system, establish policy banks, develop commercial banks and other financial institutions, and gradually transform existing specialized banks into self-operating and self-sufficient Risk, self-financing, self-balanced, self-disciplined, self-developing commercial banks to meet the requirements of a market economy. However, due to the fact that resolving some of the long-standing issues under the old system requires a certain process, coupled with the deepening of the reform of the management mechanism of large and medium-sized state-owned enterprises, banks and enterprises are still difficult to adapt to each other on a number of issues, which not only restricts bank reforms. The smooth development of the economy also affects the entire economic system reform. To solve this problem, you need to rely on the bank