On The Relationship Between Bank And Reconstruction - Organized By The Thinking Of The Banking System, Development Of My Country

Finance, the key department of the national economy finds itself in a very important position in the eeonmie development.Banks are a medium of credit,whose relationship with enterprises is one of the urst important in the present economic marketable operation.The healthy harninious bank enterprise relationship of coperation arid development is a fundamental guarantee for the economic protracted steady development at high speed. After years market ized reform and devlopment, the system formed and set up under traditional one where enterprises mainly reply on the loan from banks and banks have charge of funds for enterprises has already been broken. The markrtized pattern where banks have choose enteprises or enterprises choose banks and where enterprises collect funds in plural ways has come into bring in an elementary way.But at the same time,along with the development of reform to a deeper degree, the twisted banknterpris relationship which gives rise to the drop of social credit , the high debt and minus credit of enterprises, the high bad loans of banks and other problems have affected the advance of reform and the devlopment of economy. At present, the reform of financial system, the establishment of present bank system,the intensification of the reform of national enterprises and the establishment of modern enterprises are the focus and crux. The promotion of the reforms will cretainly involve adjustment and restablishment of the bankterprise relationship. The economic marketized development and reform to a deeper degree will inevitably require a new type of relationship between banks and enterprises with Chinese characteristics and with the adaption to markrtable operation economy. Based on such an understanding, the reconstruction and establishment of our bank nterprises relationship, the model of a sound main ank system,with Chinese characteristics ,some counter easures arid suggestions are put forword in the present paper, though the analysis and comparison of the typical types of bank nterprise relationship with marketable economy in other countris, though the analysis of the production and formative background of the bank nterprise relationship in the United States and Japan, in connection with the present situation of our economic reform and devloping orietation,especially the reform of the bank system and the construction of the enterprise system.