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行业信贷风险的防范和控制是商业银行整个风险管理体系的重要组成部分,它直接影响商业银行安全高效的运营,是衡量商业银行信贷风险管理水平的重要标志,也是最具挑战性的问题。由于行业是由具有共同特征的企业群体所组成,同一行业内的企业成员在生产经营上存在相同性或相似性特点,其产品或服务具有很强的替代性。因此,一旦发生行业信贷风险,
The prevention and control of the industry credit risk is an important part of the entire risk management system of commercial banks. It directly affects the safe and efficient operation of commercial banks. It is an important symbol and the most challenging issue to measure the credit risk management of commercial banks. As the industry is composed of groups of enterprises with common characteristics, the members of the same industry have the same or similar features in production and operation, and their products or services are highly substitutable. Therefore, in the event of industry credit risk,