在“三期叠加”的新形势下,经济发展肯定要经历化解过剩产能的一次次“阵痛”。这个过程中,金融业如何通过信贷结构调整化解过剩产能,助力产业结构优化升级?对此,光大银行的策略是“腾笼换乌”。有保有压巧“腾笼”简单的“腾笼换鸟”只有两步:把笼子里原有的东西腾出来;将新的东西放进去。但这种“简单粗暴式”的信贷业务结构调整,无论是对于银行自身还是整体经济社会稳定,都可能造成伤害。因此,对于银行信贷这 Under the new situation of “three superpositions,” economic development must go through a series of “sore throats” that resolve excess capacity. In this process, how can the financial industry resolve the excess capacity through credit structure adjustment and help the industrial structure to be optimized and upgraded? In this regard, the strategy of China Everbright Bank is to “change its course.” There are only two steps: to make things out of the cage; put new things into it. However, this “simple and crude” restructuring of the credit business may cause harm to both the bank itself and the overall economic and social stability. So for bank credit this