当前,以逐步建立现代企业制度为目标的企业产权制度改革,正在全国各地蓬勃开展,在明晰企业产权、落实企业自主权、增强企业活力等方面展示出其旺盛的生命力。但是,在产权改革的过程中,一些企业产权制度改革模式,如“先出售,后改制”模式,对银行的资金营运、资产安全乃至信用规模控制等产生较大影响,应引起高度重视。我们认为,“先出售、后改制”模式的产权制度改革将不可避免对金融部门产生以下影响: At present, the reform of the enterprise property rights system with the goal of gradually establishing a modern enterprise system is being vigorously promoted across the country, demonstrating its vitality in clarifying corporate property rights, implementing enterprise autonomy, and enhancing enterprise vitality. However, in the course of property rights reform, some reforms of the enterprise property rights system, such as the “first-sale, post-restructuring” model, have a major impact on the bank’s capital operations, asset security, and even credit size control, and should be given high priority. We believe that the reform of the property rights system of the “first-sale, post-restructuring” model will inevitably have the following impact on the financial sector: