随着经济体制改革的不断深化,社会主义市场经济的不断建立和完善,企业多头开户这一经济现象也逐渐滋生,尤其在经济比较发达的城镇更为突出,已成为社会关注的热点。本文通过对一些企业的调查,试就这个问题进行探讨。一、企业多头开户的原因据对曲靖地区某行营业部开户企业的调查看,截止1994年3月末开户企业有三十四户,其中:属多头开户的就有十三户,占全部开户企业的38.2%。如果再进一步考察贷款企业,多头开户现象就更为突出,该营业部贷款企业仅十二户,就有十户是属于多头开户的企业,占80%。形成多头开户的原因是什么呢?(一)资金供求矛盾突出,一家银行无法承担企业资金需要,而企业经营活动又不能受 With the continuous deepening of the reform of the economic system and the continuous establishment and improvement of the socialist market economy, the economic phenomenon of the long opening of accounts by enterprises has gradually grown, especially in the more developed cities and towns, and has become a hot spot of social concern. This article explores this issue by investigating some companies. I. Reasons for opening a long corporate account According to the survey of the opening companies of a business department in the Qujing area, as of the end of March 1994, there were 34 households that had opened an account, of which 13 households had opened a long account and accounted for all account opening companies. 38.2%. If we look further at lending companies, the phenomenon of long accounts opening is even more pronounced. There are only 12 households of lending companies in the business department, and 10 of them are long-term accounts, accounting for 80%. What is the reason for forming a long open account? (1) The contradiction between supply and demand of funds is outstanding. A bank cannot take on corporate capital needs, and business activities cannot be affected by it.