企业改革中银行信贷资产的流失及对策选择●秦国群李梅金目前，企业改革已进入实质性阶段。从长远看，改革将会给企业经营带来动力和活力。但是，由于具体操作过程的不规范，有相当部分企业利用转制作“幌子”直接或间接逃避、架空、废止银行和信用社贷款本息的现象愈演愈... The loss of bank credit assets during the enterprise reform and countermeasures ● Qin Guoqun and Li Meijin At present, the reform of enterprises has entered a substantive stage. In the long run, the reform will bring vitality and vitality to the business operations. However, due to the non-standardization of specific operational procedures, a considerable number of enterprises use “pretexts” to turn directly or indirectly evade, overburden and abolish loans and interest-bearing loans of banks and credit unions.