宾馆酒店业是高风险行业,近几年的信贷质量分析也印证了这一情况。随着国内旅游行业的高速发展,宾馆酒店业也成为快速壮大的行业,它们的融资需求也是巨大的。银行面对这种融资需求,如何提高信贷质量、减少信贷风险显得尤为重要。文章分析了宾馆酒店业信贷特点以及存在的问题,并对信贷资产的质量做出评估,对如何提高宾馆酒店的信贷质量提出了建议。 Hotel and hotel industry is a high-risk industry, credit quality analysis in recent years also confirmed this situation. With the rapid development of the domestic tourism industry, the hotel and hotel industry has also become a rapidly expanding industry, and their financing needs are huge. In the face of such financing needs, it is particularly important for banks to improve credit quality and reduce credit risk. This article analyzes the credit characteristics of hotel and hotel industry and its existing problems, as well as evaluates the quality of credit assets, and puts forward suggestions on how to improve the credit quality of hotel hotels.