A research on the overcapitalization of commercial banks 商业银行资金过剩问题研究
2.
The overcapitalization in the banking industry of our country has the following four reasons : low consumption and high savings ; capital market depression ; pressure from renminbi appreciation ; loans contraction under macro adjustment 摘要我国银行业资金过剩主要有以下四种原因：低消费高储蓄；资本市场低迷不振；人民币升值压力；宏观调控下的贷款紧缩。
3.
Corporate has more ways to finance but the efficiency of investment has declined . the problems such as inner control and one shareholder leading have not been solved yet . undercapitalization and overcapitalization appears alternative or in the same time , the inefficiency of investment and finance has endangered to the safe of the whole country 企业融资方式丰富了,投资效率却在下降; “内部人控制” 、 “一股独大”等问题至今没有得到很好的解决;投资不足和投资过热交替或同时出现,投融资效率低下已危及到整个国家的金融安全。
