商业信用与银行信用存在问题探析

Analysis of Problems between Commercial and Bank Credit

商业信用与银行信用作为社会经济的基本信用和主体信用目前存在着企业之间相互拖欠货款、企业与银行之间前者缺乏资金却难以借款而后者拥有大量不良资产又惜贷等问题。这些问题既有阶段性的表层原因，更有深刻的社会历史及文化根源。要整治社会信用危机问题，应从长期目标、中期目标、近期目标三个层次作出相应的思路与对策，从而建立良好的社会信用秩序。

As the basic and main credit in the social economy, some problems still exist in the commercial credit and bank credit, such as, enterprises being in arrears with loans with each other, enterprises lacking in funds but difficult to get loans from the banks, which own much funds but unwilling to grant loans to enterprises. These problems not only have the real phase superficial reasons but also have the social history and culture sources. To solve the problems of social credit, we should try to find the ways corresponding with the long-term, mid - term, and short -term aims so as to build up the good social credit order.