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银行的发展为我国市场经济注入了活力,在市场经济活动中,银行主要是通过参与市场经营,为市场主体提供资金的方式促进市场经济发展,当前我国在保障国有银行发展的基础上,鼓励民办银行的继续发展,这进一步为我国社会发展和进步提供了保障。但同时我们也应当看到,银行在为市场主体提供资金等方面便利的同时,也面临着债权难以实现的情况,比如一些信誉不好或者经营不善的企业无法及时清偿贷款等,本文就立足于当前我国银行债权保护的角度,分析在市场经济发展环境下,如何有效的规避银行债权无法清偿的风险,分析内容主要以企业对银行的债务为主。
The development of banks has injected vitality into the market economy in our country. In the course of market economy, banks promote the development of market economy mainly by participating in market management and providing funds to market players. At present, on the basis of guaranteeing the development of state-owned banks, our country encourages people to run The continuous development of the banking sector further guarantees the development and progress of our society. But at the same time, we should also see that banks are also faced with the difficulty of realizing the creditor’s rights while facilitating the provision of funds to the market participants. For example, some enterprises with bad credit or poor management can not repay loans in time. At present, from the perspective of the protection of bank claims in our country, this paper analyzes how to effectively avoid the risk of bank claims that can not be settled under the environment of market economy. The content of the analysis mainly focuses on the corporate debt to banks.