我国经济体制改革的目标是建立社会主义市场经济,以利于进一步解放和发展生产力。当前,随着经济体制改革的不断深化,特别是《公司法》的出台,对大中型企业的股份制改造,嫁接“三资”企业,组建企业集团;对小型国有企业实行国有民营、租赁、拍卖的步伐明显加快。采取这些措施,给企业以压力和动力.实现优胜劣汰,搞活了一些企业,促进了生产力的发展。同时也应该看到,这些改革措施给银行信贷管理工作带来了许多新情况、新问题,需要我们认真思考、研究和解决。一、改革后的企业变化1、企业性质。传统的投资主体是单一的国有制企业或集体企业。而经过改造后的现代公司、企业一般是财产混合所有。它可以容纳各 The goal of China’s economic structural reform is to establish a socialist market economy to facilitate the further emancipation and development of productive forces. At present, with the continuous deepening of the reform of the economic system, especially the promulgation of the “Company Law,” the shareholding system reform of large and medium-sized enterprises, the grafting of “three-funded” enterprises and formation of enterprise groups; the implementation of state-owned privately owned and leased , The pace of the auction significantly accelerated. To take these measures to pressure and motivation for the enterprise to achieve the survival of the fittest, invigorate a number of enterprises, and promote the development of productive forces. At the same time, we should also see that these reform measures have brought many new situations and new problems to bank credit management, which require us to seriously consider, study and solve them. First, the changes in the enterprise after the reform 1, the nature of the enterprise. The traditional investors are single state-owned enterprises or collective enterprises. After the transformation of the modern company, the company is generally mixed with property. It can accommodate each