“封闭贷款”用得好，不失为帮助企业走出困境的绝佳方法，如何能用得好？工行河南省分行的经验告诉我们：“封闭贷款”，搞好“封闭运行”是关键。工行河南省分行营业部下辖郑州市区和县（市）共２４个支行。１９９８年，省分行营业部所属原郑州分行向９户扭亏有望的大中型企 “Closed Loans,” well-used, after all, is an excellent way to help companies out of the woods, how can we use it well? The experience of ICBC Henan Branch tells us: “Closed Loans” and doing a good job of “closed operation” are the keys. Branch of Henan Branch of ICBC offices under the jurisdiction of Zhengzhou city and county (city) a total of 24 sub-branches. In 1998, the original branch of the provincial branch of Zhengzhou to turn losses of 9 large and medium-sized enterprises expected