天津市商业经济学会和金融学会联合举行讨论会,就“存货分户”问题,进行了激烈争论。除银行代表为“存贷分户”辩护外,一商、二商、供销社、粮食等单位的同志都就“存贷分户”之弊,提出了各自的看法。供销社代表(天津市日用杂品公司副经理)赵永年指出:“银行信贷历来坚持物资保证原则,使商品流通和货币流通同步(在时间上)、反向(在空间上)运动,但推行“存贷分户”以来,忽视了这一原则,许多基层银行过多地从本身利益和方便考虑,严重地造成贷款和用款脱节,商品流通和货币流通脱节,加剧了商品流通特别是农村商品流通的梗阻。另外,“多存可以多贷”的原则,是不实 Tianjin Business Economics Society and the Institute of Finance held a joint seminar on the “inventory household” issue, a heated debate. Except bank defenders on behalf of “deposit-loan households,” comrades from the first, second, supply and marketing cooperatives, and grain companies all put forward their own views on the disadvantages of “deposit-loan households.” Zhao Yongnian, Representative of Supply and Marketing Cooperative (Deputy Manager of Tianjin Daily Sundry Goods Company) pointed out: “Bank credit has always insisted on the principle of material assurance, which enables commodity circulation and currency circulation to be synchronized (in time) and vice versa (in space) This principle has been neglected since the ”deposit-loan-sharing household“. Many grass-root banks consider their own interest and convenience too much. This has seriously caused the disjunction between loans and money supply, the disjunction between commodity circulation and currency circulation, and aggravated the circulation of commodities, especially in rural areas Obstacles to the circulation of commodities. In addition, the principle of ”multiple loans can be extended" is false