深化国企改革 重塑银企关系研究-deepening reform of state-owned enterprises and reshaping bank-enterprise relations.docxVIP

内容提要我国的经济改革，己进入攻坚阶段。经济改革必然触及经济运行中的…系列深层次的矛盾，涉及到国家、银行、企业各方的利益冲突。作为国家经济生活中的两大主体声银行与企业之间的矛盾冲突声成为改革的瓶颈气重塑我国银企关系成为当务之急。本文首先对银企关系的沿革及现存的问题，进行了深入的剖析，同时?立足于市场经济这一大前提，明确商业银行是企业9揭示了银企关系的本质是信用关系F构建新型银企关系是以产权明晰作为基础的。并结合对以美国、英国为典型代表的若即若离型和以日本、德国为代表的控制导向型的镇企关系的分析，剖析了我国现行的主办银行制度;并通过引用大量的数据，结合现行国家政策以及现实问题事例#运用实证的方式指出我国重塑新型银企关系最根本的是要遵循客观经济规律，顺应市场经济条件下对银企关系的本质要求，理JIIm国家、银行和企业三者关系，大力加强法制建设，全面培育和放开金融市场声深化产权改革推行股份制，逐步过度到真正实现银企关系的平等依存、自愿交易、效益互利、协调合作。关键词z银企关系国企改革产权ABSTRACT刀leeconomicreforminChinahascometoaperiodofstormingfortifications.Inevitably，Thereformwìllreachaseriesofcontradictions，whichlieinthedeeplevelsoftheeconomicprocess，andhaveconnectionwi由thebenefitconflictsbetweenthegovemme时，banksandenterprises.AsthetwolargemainbodiesofthenationaIeconomiclife，theconflictsbetweenbanksandenterpriseshavebecomeabottleneck.80itistopurgenttorefonntherelationshipsbetweenbanksandenterpnses.Theartic1ebeginswithapreciseanalysisofthehistoryofbank..enterpriserelationshipandtheproblemsatpresent.Then，onthebasisofmarketeconomic，itclarifies也atthecommercialbanks缸eenterprises，andtheessenceofbank-enterpriserelationshipiscredit.80thenewbank..enterpriserelationshipshouldbeestablishedonthebasisoftheclear-cutpropertyrights.Incomparisonwithbank-enterpriserelationshipofAmericanandBritish缸ms-lengthytypeandJapaneseandGermancontrol-orientedtype气thisarticleanalysesthepresentChineseDirectB副lkTheory.Byquotingplentyofda钮，associatingwith也epresentpoliciesandgivingexamplesofrealprograms，也isarticleleadstosuchaconclusion:ThemostessentialQfbank-enterpriserelationshipreformistofollowthesubjectiveeconomicru烛，toreachtherequirementsforbank..enterpriserelationshipundermarketeconom?c.Tore缸rangetherelationshipbetweenthegovernmentandbanksandenterprises，tostreng白，enlegislation，tobuildandopenfinancialmarketcomprehensively，todeepenpropertyrightsrefonnandpursuesystemofstockcompany.Soωtorealizethetransitionstepandsteptothebank-enterpriserelationshipofequati以reliability，voluntaryp缸ticipation，mutualbenefitandcoordinatedcooperation.Keywords:bank