一银企关系是指经营货币的银行与生产、经营物质产品的企业之间,由于资金借贷活动而形成的一种特殊关系。它是现代市场经济运行中最为重要的经济关系之一。改革开放以前,我国实行的是计划经济体制,企业没有自主经营权,只能按行政指令组织生产,而银行则成了按指令办事的会计出纳。这个时期的银企关系,实际上是一种支持与被支持、资金需求与供给的关系和行政管理服务性的关系,信贷作为银行的 A bank-enterprise relationship refers to a special relationship formed between the bank that operates the currency and the enterprises that produce and manage the physical product due to the fund lending activities. It is one of the most important economic relations in the modern market economy. Before the reform and opening up, our country implemented a planned economic system. Enterprises did not have the right to operate independently. They could only organize production according to administrative instructions, and banks became accounting and cashiers that handled orders. The bank-enterprise relationship during this period is actually a relationship between support and being supported, funding demand and supply, and administrative serviceability. Credit is used as a bank’s