资金是企业生存和发展的命脉。怎样对信贷资金进行有效管理和高效运营,是信贷投资机构、担保机构和直接使用贷款资金的企业都高度重视的问题。因为,企业资金筹划与运营的好坏在很大程度上直接决定着企业效益的好坏。企业如果能将自有资金或信贷资金高效率运营起来,它就能生存和发展;企业如果在资金运营中出现入不敷出,就会造成经营亏损或信贷失衡,严重的可能会直接 Capital is the lifeline of the survival and development of enterprises. How to effectively manage and efficiently operate credit funds is a problem that the credit investment institutions, guarantee agencies and enterprises that directly use the loan funds attach great importance to. Because, corporate finance planning and operation of the good or bad to a large extent directly determine the effectiveness of the enterprise. If an enterprise can operate its own funds or credit funds with high efficiency, it can survive and develop. If an enterprise runs out of funds in its operation, it will cause operating loss or credit imbalance, which may be serious