过度工业化对银行业的危害及相应的对策建议

摘要

Excessive industrialization includes general, structural, regional, and project and product excessiveness. It hinders the sustain-able economic development, severely damages the natural environment and endangers food security and the stability of banking systems. It also leads to excessive dependence on banks by enterprises. Financial institutions shall enhance the ability to identify different situations and excessiveness in different industries, so as to implement differentiated policies to optimize the allocation of credit resources. Mean-while, the government shall develop a mandatory liability insurance system for curbing environmental pollution and improve the carbon e-missions trading market. In so doing, the dynamic equilibrium of demand and supply in different industries could be achieved for acceler-ating industrial upgrading and transformation.%过度工业化主要表现为整体过度、结构过度、区域过度以及项目和产品的过度，负面影响深远，阻碍了经济的可持续发展，对自然生态环境破坏严重，危及粮食安全及银行体系的稳定，引发了企业对银行的过度依赖。对于不同情况下、不同行业的工业过度化行为与表现，金融机构应增强识别能力，实施差别化政策，优化信贷资源配置。同时，政府应制定环境污染强制性责任保险制度，完善碳排放交易市场，促进不同行业的供需关系实现动态平衡，加快产业升级转型步伐。