对国有亏损工业企业有销路、有效益的产品,实行封闭贷款,既是国务院的政策要求和地方政府的强烈愿望,也是商业银行寻求有效放贷途径和盘活存量资产的重要手段。然而,在基层,受诸多因素影响,具体运作起来难度很大。工商银行邵阳市分行,经过较长时间的摸索,首批选定9家大中型企业作为试点,已初步取得现实成效,受到各方面赞誉。 It is not only the policy requirements of the State Council and the strong desire of local governments but also an important means for commercial banks to seek ways to lend effectively and to revitalize their existing assets by offering closed-end loans to state-owned loss-making industrial enterprises for their sales and effective products. However, at the grassroots level, it is very difficult to operate in a concrete way due to many factors. After a long period of exploration, the first batch of 9 large and medium-sized enterprises was selected as the pilot by ICBC Shaoyang Branch. Initial results have been achieved and the praise has been praised by all parties.