企业转换经营机制,走向大市场、大流通,一方面使企业机遇增强,另一方面也使经营风险加大。由于企业的灵敏高效的市场预测、风险防范机制尚未形成,在纷繁复杂、千变万化的经营活动中,企业风险往往通过市场转嫁给银行,使银行效益受到冲击,主要表现为应收未收利息居高不下。大量的应收未收利息,使银行信贷资金被无效占用,背上了沉重的包袱。显然,为提高自身效益,促进经济发展,银行应下大力气做好应收未收利息工作。一、搞好经营管理,增强企业还息能力 The transformation of the business mechanism of the enterprise into a large market and large circulation, on the one hand, increases the opportunities for enterprises, and on the other, increases the operating risks. Due to the sensitive and efficient market prediction and risk prevention mechanism of the company, in the complex and ever-changing business activities, the enterprise risk is often passed on to the bank through the market, and the bank’s efficiency is impacted, mainly reflected in the high interest receivable. No less. A large number of uncollected interest receivables have caused banks’ credit funds to be used illegally and carry a heavy burden. Obviously, in order to improve their own benefits and promote economic development, the banks should make great efforts to do well in the uncollected interest receivables. First, do a good job in management and enhance the ability of enterprises to repay interest