overcapitalization

基本解释

The overcapitalization in the banking industry of our country has the following four reasons: low consumption and high savings;
我国银行业资金过剩主要有以下四种原因：低消费高储蓄；

Instead of worrying about loss aversion and raising more than you need, greed-induced overcapitalization is often driven wanting bigger warchests in the face of lots of interest.
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The real estate overcapitalization in the United States followed by immersive equity losses could not be overcome another way, the banks had to write off the accumulating bad assets, foreclosures, draining capital, etc.
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