(A) the loss of social credit is the main reason why enterprises evade bank debts.
There are many ways for society to adjust people's behavior norms, but the most basic ones are law and morality, and the scope of legal adjustment is limited, and the compensation for this limitation is morality. In business behavior, business ethics has always been an important symbol to regulate people's behavior. Honesty and trustworthiness and abiding by contracts have always been important criteria for the normal operation of commodity economy and society. However, in our society, because the social credit system is not perfect and sound, a few enterprises or business operators, driven by interests, evade bank debts, mainly as follows: first, enterprises evade bank debts and increase net income; Second, enterprises have the opportunity to avoid waste. First of all, due to the current management system, the possibility of avoiding waste is extremely small; Secondly, there are no punishment measures for many behaviors at present; Thirdly, even if the behavior of evading waste is found, many behaviors that have constituted crimes have not been punished because of lax law enforcement.
(2) Local protectionism is the umbrella and catalyst for enterprises to evade bank debts.
Most of the enterprises that evade bank debts are state-owned enterprises, and their actions are supported by local governments and some institutions under the control of the government, and some even directly carry out them under the banner of safeguarding the interests of the masses and ensuring local stability, which is difficult to find and deal with.
(3) Poor bank management provides opportunities for enterprises to evade bank debts.
Banks have taken many measures to prevent the appearance of non-performing assets, but the effect is not great. Subjective reasons are worthy of reflection: First, the pre-loan review system of banks pays more attention to form than substance, and has not played a preventive role; Second, there is a lack of effective supervision mechanism after bank loans. When banks and enterprises conclude loan contracts and guarantee contracts, they all require enterprises to fulfill the obligation of timely notification of major issues in the Regulations. But how to fulfill this obligation is not binding, or although it exists, it is mostly based on the unilateral report of the enterprise. Banks know little or nothing about the situation after the enterprise loans, and lack self-effective monitoring measures and monitoring systems.
Performance in the bank risk management committee exists in name only, many loans are centralized for examination and approval, authorization goes through the motions, and the function of risk management is not reflected. Third, the accountability of bank loans is not strict, and the assessment indicators are unreasonable and unscientific, which leads to individual staff members hiding the truth or not reporting in time for fear of accountability, and they dare not take effective measures to stop it because of their personal feelings. The idea of "light release" is serious, and even some loans have become "poverty alleviation" loans from the beginning, which is also a reason for enterprises to evade bank debts; Fourth, the lack of legal knowledge and practical experience of bank staff also gives enterprises the opportunity to evade bank debts and even get into the trap of enterprise design.
(D) The absence of state-owned assets and disregard for depositors' interests are the deep-seated reasons for enterprises to evade bank debts.
Because banks are state-owned, the losses after evading debts are finally solved by writing off bad debts. Bank staff have no pain in enterprises evading bank debts, which leads to the loss of state-owned assets and new non-performing loans.