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所谓行业是介于宏观经济和微观经济之间的中观经济范畴,是由许多同类企业构成的群体组成。行业的兴衰和发展方向决定了行业内部企业生存条件和发展状况,进而对银行信贷资金的安全产生重要影响。信贷行业分析是每一个金融机构在业务经营中非常重视的理论内容,本文基于对行业分析的重要性论述,进一步确定加强信贷行业分析,防范信贷风险,促进业务稳健发展的有效措施。
The so-called industry is a medium-sized economic area between the macro-economy and the micro-economy and is composed of many similar enterprises. The rise and fall of the industry and the direction of development determines the living conditions and development of enterprises within the industry, which in turn has a significant impact on the safety of bank credit funds. The analysis of the credit industry is the theoretical content that every financial institution attaches great importance to in its business operations. Based on the discussion of the importance of the industry analysis, this article further identifies effective measures to strengthen the credit industry analysis, prevent credit risks and promote the steady development of the business.