八五以来．许多企业的生产经营资金成本负担日趋沉重，据分析，资金成本成倍上升的重要一条原因是与企业引用信贷资金行为中的种种不恰当的方式有很大关系。本文试从显性与共性的角度，对企业在引用信贷资金行为上突出存在的几个误区进行探析。1．融资方式成直。近年来，一些企 Since eight five. Many enterprises have become increasingly burdened with the cost of capital in production and operation. According to the analysis, an important reason for the doubling of the cost of capital is that it has a great relationship with the inappropriate ways in which enterprises refer to credit funds. This article tries to probe into some misunderstandings that enterprises have prominent existence in quoting credit funds from the perspectives of dominance and commonality. 1. Financing straight. In recent years, some enterprises