excessive lending; over-financing
Refers to lending beyond prudent limits, often in a financial or economic context.
Excessive lending by banks caused the non-performing loan problem.
To prevent over-financing, we need to tighten the screening criteria.
融資 is neutral 'financing' or 'lending'; 過剰融資 specifically means excessive or over-lending.
不良債権 is 'non-performing loan', a common consequence of 過剰融資.
Compound of 過剰 (excess) and 融資 (financing/lending).