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。