On The Relationship Between Bank And Enterprise Market - Oriented Reform

Bank and enterprise are the two most important economic bodies in the market- economy and the relationship between them is also one of the most important relationships in the modern market-economy. The behavior of bank and enterprise and the relationship between them will affect the running of economy directly. At present,the serious bank-enterprise debt crisis which was induced by the large amount of bad debts that the State Enterprise can repay and the great bad assets that the State Bank can recall has become the main barrier which hinders the Economic Reform developing deeply. This article, starting from the character of the arrangement of Property Right System in the different periods gives deep research on the general character. running effect and forming principle of the non-credit and vice-credit restriction relationship. And finally get a conclusion: Do deepen the reform of Property Right System and spurs the transform of share-holding system .Only this can we set up the credit restricting bank-enterprise relationship and realize the good development of bank-enterprise relationship This article includes four chapters. Chapter one: the general theoretical analysis of the bank-enterprise relationship. Use market-competing theory credit theory and the trading cost theory to have the analysis on the character of bank-enterprise relationship in the market-economy. Chapter two: historical research on the bank-enterprise relationship in the traditional rule. After analyzing the rule which traditional bank- enterprise relationship bases on, disclose that non-credit restrain is the basic character of traditional bank-enterprise relationship and summarize the effect of its running. Chapter three: model analysis on the bank-enterprise trading relationship in the transmitting period. Starting from the point of the arrangement of Property Right System, have some research on the situations forming principle and character of the vice-credit restriction relationship between bank and enterprise. Chapter four: thinking on setting up new bank-enterprise relationship, give some advice on how to set up new bank-enterprise relationship and the difficulties and the solving method during the process.