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宁波是我国56个“优化资本结构”试点城市之一,这标志着我市企业改革将进入实质性操作阶段。“优化资本结构”的主要内容是增资减债,改组改造,分流分离和兼并破产,这必将对银行产生重大影响。为积极支持和配合企业改革,保全信贷资产,研究新形势下的银行对策,我们对凡与工商银行有信贷关系的长期亏损企业、严重资不抵债企业和有兼并破产趋势企业进行了调查。
Ningbo is one of 56 pilot cities optimized for capital structure in our country, which indicates that the reform of our city’s enterprises will enter a substantive operational phase. The main contents of “optimizing the capital structure” are capital increase and debt reduction, restructuring, diversion and merger and bankruptcy, which will surely have a significant impact on the bank. In order to actively support and cooperate with the reform of enterprises, preserve credit assets and study bank measures in the new situation, we conducted a survey on enterprises with long-term deficits, those with serious credit card insolvencies and those with mergers and bankruptcies, with credit facilities with ICBC.