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银行大量信贷资金向产能过剩行业集聚现象的发生,受到我国商业银行政策性职能的影响,也受到地方政府为实现经济发展而对信贷资金引导的影响。近年来,受我国宏观经济下降和内外部多种因素影响,房地产投资降温,基建投资下滑,造船和航运业持续低迷,造成我国钢铁行业逐渐面临供大于求、钢铁企业效益持续下降的局面。目前,产能过剩行业多集中在钢铁、
The massive accumulation of credit funds by banks toward overcapacity industries is influenced by the policy functions of China’s commercial banks and by the local government’s influence on the credit funds for the realization of economic development. In recent years, due to the decline of China’s macro-economy and various internal and external factors, real estate investment has cooled down, investment in infrastructure dropped, shipbuilding and shipping industries have been in the doldrums, causing the steel industry in our country to gradually face the situation of oversupply and inefficiency of the iron and steel enterprises. At present, the overcapacity industries are mostly concentrated in steel,