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银行信贷改“存、贷合一”为“存,贷分户”,能够促使企业自觉提高资金的使用效益,增强企业经营管理水平。 (一)“存、贷分户”要求企业合理掌握存、贷比例,压缩存款到最低限度。“存、贷合一”银行按存、贷实际差额计算利息。“存、贷分户”,银行则是按贷款额和存款额分别计算利息。企业对于银行给予一次性定额贷款优惠利率所少付的利息,如能抵补因开设存款户多付的利息,即可减少利息支出。据测算,在定额贷款优惠利率为5.7‰时,
The change of bank credit to “save and credit” to “save and credit separate households” can motivate enterprises to consciously increase the use of funds and enhance their operational management. (1) The “depository and loan-dividing households” require the enterprise to reasonably grasp the ratio of deposits and loans and compress the deposits to the minimum. The deposit and loan unit will calculate the interest according to the actual difference between deposits and loans. “Deposit and loan households”, the bank calculates interest according to the loan amount and the deposit amount respectively. The interest paid by the bank on the one-off fixed-rate lending rate offered by the bank can be reduced if it can cover the interest paid by the depositor. According to calculations, when the fixed loan loan interest rate is 5.7‰,