1. Increase bank liabilities: The centralized borrowing by the government will lead to an increase in bank liabilities, and the government's borrowing from banks will make the bank's capital sources even more tense.

2. Reduce bank credit: The centralized debt of the government will lead to the reduction of bank credit, and banks should use more funds to repay debts, which will make banks more cautious about credit.

3. Increase the operating costs of banks: Centralized government debt will increase the operating costs of banks, and the government will pay interest to banks, which will make banks pay more fees.