根据经济决定金融，金融反作用于经济的辩证原理，建立现代企业制度要以金融改革趋势为取向，金融改革则要以现代企业制度取向为依据。但现实中银行与企业在配套改革方面的难尽人意之处，在一定程度上阻碍了整个经济体制改革的进程。一、企业转制的困难及对金融改革的影响1．主 According to the dialectic principle that the economy determines finance and finance reacts to the economy, the establishment of a modern enterprise system should be oriented toward the trend of financial reforms, and financial reforms should be based on the orientation of modern enterprise systems. However, in reality, the unsatisfactory nature of banks and enterprises in supporting reforms has hindered the progress of the entire economic system to a certain extent. I. Difficulty of enterprise restructuring and its impact on financial reforms the Lord