中小企业倒闭已经出现,但问题更大的还在后面,产能过剩是困扰银行的又一大难题。产能过剩主要集中在钢铁、水泥、电解铝、平板玻璃、造船等领域。随着进入工业化时代的后期,不再需要这么多基础原材料,产能过剩再所难免,而且新兴的光伏、风电也成了产能过剩的行业。这些行业,全是资产密集型行业,稍微上点规模的企业,贷款就是十几亿元、几十亿元。一天给一个开汽车修理厂的客户 The collapse of small and medium-sized enterprises has emerged, but the bigger problem is still behind. Overcapacity is yet another big problem plaguing banks. Overcapacity mainly in the steel, cement, electrolytic aluminum, flat glass, shipbuilding and other fields. With the advanced stage of industrialization, so much basic raw material is no longer needed and overcapacity is unavoidable. Emerging photovoltaic and wind power industries have also become overcapacity. These industries, all asset-intensive industries, a little on the scale of enterprises, loans is billions of yuan, billions of dollars. One day to a car repair shop customer