当前,我国专业银行正在向商业性银行转变。在转变过程中,与银行命运息息相关的企业情形又如何呢?效益好的企业很坦然,但效益差的国有企业,特别是亏损的国有大中型企业由于资金瓶颈,生产难以运转,步履艰难,这已成为当前人民普遍关注的焦点,也是我们必须认真研究的一大难题。本文试结合湘潭的实际谈点认识。 At present, professional banks in China are transforming into commercial banks. In the process of transformation, what is the situation of companies that are closely related to bank fate? Good-benefit companies are frank, but poorly-effective state-owned enterprises, especially loss-making large and medium-sized state-owned enterprises, are difficult to operate due to financial bottlenecks and are struggling. It has become the focus of the people’s current concern and is also a major problem that we must seriously study. This article tries to understand the actual situation of Xiangtan.