Study On Problems And Countermeasures Of Bank Debt Evasion Of Enterprises

Since the reform and opening up,China's economy has experienced nearly 40 years of rapid development,the world's top second economies.However,due to the contradiction between long accumulation under rapid development in recent years,the global economic downturn,increasing the macro downtown pressure on the economy affect the overall rate of corporate assets and liabilities rise,local financial deterioration of the ecological environment and other factors,resulting in evasion of bank debts happened frequently,serious damage to the commercial banks and other related parties,directly in the credit market failure,disrupt the economic order,increases the financial risk.Therefore,to explore the enterprise evasion of bank debt problems,seeking solutions to promote our market economy steady development has important significance can not be ignored.The paper tries to put forward the problem-analyze the problem-to solve the problem.From previous experience,where the use of finance,management,economics and other disciplines of basic theory,firstly this research literature at home and abroad are reviewed,the definition on the basis of bank debt and corporate evasion of bank debt related concept.Research on enterprise problems of evasion of bank debt related theories are analyzed.From the distribution area of evasion of enterprises,industry,ownership characteristics and time evolution characteristics of the four dimensions of in-depth analysis of the status quo of corporate debt evasion of silver.Summarizes the six kinds of the most common means of escaping induction.From the enterprise,bank,system and supervision,four aspects of the macro environment to explore the reasons of evasion behavior,then the consequences of the evasion behavior classification explanation.In order to make the study more convincing,select the H city in Heilongjiang province 20 typical for evasion of bank debts on enterprise,through the 20 accredited enterprise industry background,means of evasion of bank debt,data analysis and comparison of the specific effects and consequences,and it reveals the necessity of enlightenment the discussion on the governance of enterprises to evade behavior.Finally,in the enterprise,bank,system and management,the macro environment of four point of view,combined with the actual situation in our country,puts forward the inhibition of evasion of enterprises,the banking sector to reduce credit risk and improve regional economic credit environment and other aspects of the countermeasures and suggestions to reduce the risk from the bank operation and improve credit market the related system.Further promote the sustainable and healthy development of the economy,to promote the virtuous cycle of' the market to provide help.