当前信贷资金流向监控中存在的问题一是实行资金集中管理的集团类企业,难以实现贷款资金监控。资金集中管理的集团企业,其下属企业信贷资金和销售收入归集到集团账户上,统贷统支,贷款行账户往往是零余额。由于贷款资金不是直接由贷款企业支付给交易对手,而是由母公司来负责统一调配支付,因此银行对其资金 The current problems in the monitoring of the flow of credit funds First, the implementation of centralized management of funds group companies, it is difficult to achieve the monitoring of loan funds. Centralized management of the group of enterprises, their subordinate corporate credit funds and sales income grouped into the group accounts, unified government loans, loan bank accounts are often zero balance. Since the loan funds are not directly paid by the loan company to the counterparty, but the parent company is responsible for the unified deployment of payment, so the bank’s funds