近年来，受反腐倡廉、宏观经济下滑等因素影响，白酒行业经营业绩大幅下降，尤其在产品销售方面承受较大压力。同时，资本市场资金供给面较为紧张，银行之间吸揽储户竞争极为激烈，民间借贷资金需求也非常旺盛，大量资本掮客应运而生并活跃于急需吸收存款的银行与拥有大量闲置资金的企业之间牵线搭桥、谋取私利。在资本掮客的撮合下，白酒企业产品销售需求、银行存贷业务需求与民间借贷市场的资金使用需求促成了三方之间的业务合作，“购酒+借款+贴息”的“存款卖酒”模式盛行，白酒企业通过银行给予的渠道销售积压产品，银行获得白酒企业的大量闲置资金作为存款，而民间借贷市场上的用资方则暗中从银行中转移存款、贴付利息以获得资金的实际使用...In recent years, by the anti-corruption, macroeconomic downturn and other factors, the operating performance of liquor industry dropped significantly, especially in product sales bearing greater pressure. At the same time, the capital supply in capital market is becoming more and more tense, the competition for depositors between banks is extremely fierce and the demand of funds in private lending...学位：管理学硕士院系专业：管理学院_会计学学号：1752014115113
