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透过当前企业表面正常的按期还贷现象,从其还贷资金的构成调查分析,目前企业使用非正常资金归还贷款现象比较突出,一定程度上加深了企业的还贷压力,隐藏着较大信贷风险。为此,建议金融机构要重新审视贷款的按期归还模式,从构筑良好的信贷关系出发,进一步改进和完善贷款按期归还操作程序,进而实现信贷资金和实体经济的和谐运转。
Through the current regular surface repayment phenomenon, from the analysis of the composition of its repayment of loans, the current abnormal return of loans by enterprises is more prominent, to a certain extent, deepen the repayment pressure of enterprises, hiding more credit risk. To this end, it is suggested that financial institutions should re-examine the loan repayment on schedule, starting from building a good credit relationship, further improve and perfect the repayment procedures of loans on schedule, so as to realize the harmonious operation of credit funds and the real economy.