银行和企业是市场经济体系中两个重要的经济主体,银企关系是市场经济中最重要的关系之一。实践证明,其两者关系的好坏与否,不仅直接影响和决定着银行和企业的兴衰成败,同时也关系着改革发展和经济建设的顺利进行。在建立新型银企关系的过程中,当前比较突出的问题是:实行市场经济后,虽然银企关系已经打上了市场经济的烙印,但仍带有明显的计划经济体制的痕迹。银行和企业两个独立 Banks and enterprises are two important economic entities in the market economy system. The relationship between banks and enterprises is one of the most important relations in a market economy. Practice has proved that whether the relationship between the two is good or bad will not only directly affect and determine the success or failure of the rise and fall of banks and enterprises, but also the smooth progress of the reform and development and economic construction. In the course of establishing a new type of relationship between banks and enterprises, the most prominent issue now is: Although the relationship between banks and enterprises has been labeled as a market economy after the implementation of a market economy, there are still traces of the obvious planned economic structure. Two independent banks and businesses