随着社会主义市场经济体制的确立和经济体制改革的深入,大批国有企业已经开始进行国有民营、国有私营、股份制改造、承包、租赁、分立、兼并、合资嫁接、破产等形式的转换经营机制改革实践。企业深化产权制度改革,必然要牵动财产载体的经营者,也就是资金的经营者——银行的利益。银行的信贷资产,既面临着在企业资产重新优化组合中 With the establishment of the socialist market economic system and the deepening of economic restructuring, a large number of state-owned enterprises have begun the reform of the transformation of the operational mechanism of state-owned private ownership, state-owned private ownership, shareholding reform, contracting, leasing, separation, mergers, joint ventures and bankruptcy practice. Enterprises deepen the reform of property rights system, will inevitably affect the carrier of property carriers, which is the operator of funds - the interests of banks. The bank’s credit assets are both faced with the re-optimization of corporate assets