| Bank and enterprise are two independent, equal and initiative economic bodies, and the relation between them is one of the most important in the modem market economy . Their behavioral modes and their practical relations have a direct effect on the operation of the economy and society. The bank-enterprise relation is distorted due to the traditional fund allocation and capital relocation in the period of the economic transition of China, Many state-owned enterprises are in heavy debt, and the bad accounts in the state-owned banks are not able to be claimed, which results in the serious hidden crisis of liabilities. All these stand in the way of the reform of the economic system of China. The need of the reform and improvement of the relationship between bank and enterprise are never more felt with the entry of China into WTO. The purpose of my research is to give suggestions on how to establish the right relation modes between bank and enterprise in the Socialistic market economy by means of the theoretical analysis of such relationship and the comparison of different bank-enterprise relation modes all over the world with the combination of the reality of China.In the paper, a systematic analysis is given to the bank-enterprise relation by applying empirical qualitative and quantitative analysis, and historic instances in accordance with Marxism economic analogy.My paper is divided into three parts:The first part explores themarketalized bank-enterprise relation and its characteristics in the capitalism society and gives a comprehensive study on the general theories about it.The second part involves the comparison by empirical analysis of the bank-enterprise relation modes in America, Japan and Germany with respect to their features, origins, advantages and disadvantages, and what we can get from them.The third part gives a historical investigation to the features and influences of the administrative financial structure in the traditional economic system and in it's transitional era, attaches special importance to problems and dilemmas of such structure,3and gives suggestions on how to establish new modes of the bank-enterprise relation.The points of innovation in this paper are reflected in following places:Firstly explores the marketalized bank-enterprise relation and its characteristics in the capitalism society and gives a comprehensive study on the general theories about it.then, the role and position of the commerical banks are discussed. It is pointed out that the mrketalized bank-enterprise relation is a kind of relation of interest, contracted liability, stable transaction contracted liabilities among equal market bodies by using market theory, information theory, credit theory, transaction costs theory.Secondly, the health development of bank-enterprise relation is analyzed. The fundemental causes of the present liability crisis between banks and enterprises lie in the structure of the state-owned capital which is characterized by its unity of bank and enterprise and the structure of floatation of loan left by the planned economic system, the medium of which is mainly the state.So the healthy development should be based on the present economic system, and needs the clearness of the property right of banks and enterprises ,the combination of reform of enterprise system and financial system and the disposal of the depositted debt. The lead bank system should be set up based on marketability to promote the combination of asset and finance .Thirdly, the posible modes of new ban-enterprise relation are suggested. The promotion of reforms of bank and enterprise should avoid acting blindly and blind imitation of the modes of bank-enterprise relation in developed countries. The construction of the new modes of it should take the reality of the financial systems of China into consideration and be based on the economic system in existence.Some specific steps are put forward: The bad debts between banks and enterprises should be disposed firstly, and both bank and enterprise sh...
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