企业间相互借贷现象的制度分析

信贷集中于国家和银行是现代国家的一般金融政策和法律原则，非金融机构的企业间的相互借贷弊端甚多。要解决企业间的相互借贷这一问题，既要正确把握其存在的现实社会基础，又要理性地看待其社会经济功能。企业间的相互借贷有其存在的合理性，单纯地依法宣告其为非法或加以明令禁止对于这一问题的解决并无实效。相反，改造相应的社会基础，并适度、适量地允许企业间的相互借贷，对以国家和银行为中心的信贷制度加以补充才是有益的政策选择与制度安排。

Analysis of Inter-Business Debt

The concentration of credit and loan in the state and the banks is a principle of modern financial policy, and the loan made by non-financial institutions entails a great many defects. To cope with the nonetheless prevailing inter-business loan-making, it is essential to fully realize not only the practical social foundation of its existence, but also its economic functions. Due to its considerable reasonability, it is of no good merely banning inter- business loan-making; a reform designed to adapt it to the social conditions and to make it complementary to the state and bank loan-making will be of great practical significance to the financial development.