企业转制变异与银行信贷防险白年胜买喜元郭兵兵企业转制变异就是在企业转换经营机制过程中衍生出来的，利用改变产权关系，转换经营方式等手段，以达到逃债废债目的的行为。目前，企业转制变异给银行信贷管理带来的最大冲击就是导致大量贷款虚置、债务悬空、资产流失、风... Variation of enterprise transformation and bank credit risk insurance in the white won the Xi Yuan Guo Bingbing Enterprise restructuring mutation is derived from the process of business transformation of the operating mechanism, the use of changes in property rights, the conversion mode of operation and other means to achieve the purpose of debt cancellation behavior. At present, the biggest impact that corporate restructuring has brought to bank credit management is that it leads to a large number of loans, vacant debts, assets loss, wind ...