从1988年我国实行投资管理体制改革以来,全国绝大部分省区市成立了以地方基础设施建设投融资为主体的投资公司(以下简称公司),有些市县也成立了这类公司,有力地推动了当地经济建设的发展。但由于这些公司成立时间比较短,起步比较晚,经营规模一般较小,机构设置也比较简单,基本没有或者很少有分支机构和下属单位,一般不具有银行的基本职能,只能经营些简单的信贷业务,且放、收贷活动也只能采用面对面的形式,更因其“左右无臂下无腿”,往往放贷容易收贷难。山东省的基建基金贷款,1993 Since the implementation of the reform of the investment management system in 1988, most of the provinces, autonomous regions and municipalities have set up investment companies (hereinafter referred to as the “companies”) that mainly focus on local infrastructure construction and investment and financing. Some cities and counties have also set up such companies, effectively Promote the development of local economic construction. However, since these companies were established relatively short time, relatively late start, the scale of operation is generally small, institutional setup is relatively simple, there is basically no or very few branches and subordinate units, generally do not have the basic functions of the bank, can only operate some simple Of the credit business, and let the loan collection and lending activities can only be used in face-to-face form, but also because of its “left arm and foot without leg”, often easy to lend credit loans difficult. Capital Construction Fund Loan in Shandong Province, 1993