在行政事业单位兴办经济实体热潮的影响下,不少地方的银行也相继办起了一些集体性质、名称各异的“经济实体”,跻身于“下海”的行列。但是,银行在兴办经济实体过程中,普遍存在一个值得注意的问题,即信贷资金被大量用于经济实体的经营活动,使银行的正常经营不同程度的受到影响。据调查分析,产生上述问题的主要原因有两点:一是可以逃避信贷规模的控制,部分有富裕资金而无规模指标的专业银行基层行处,将信贷资金投入所属经济实体的经营活动,成为其逃避规模控制的手段之一。二是获利 Under the influence of the establishment of economic entities in the administrative institutions, banks in many localities have successively set up “economic entities” of different collective nature and names and are among the ranks of “down the sea”. However, in the process of setting up economic entities, banks generally have a problem that is worth noting. That is, credit funds are used in a large number of economic entities’ operating activities, and the normal operations of banks are affected to varying degrees. According to the investigation and analysis, there are two main reasons for the above problems: First, it is possible to evade the control of the scale of credit, and some professional banks that have rich funds without scale indicators do the business operations of the economic entity to which credit funds are invested. One of the means to escape from scale control. The second is profit