防范和控制行业信贷风险是商业银行信贷管理的一项重要内容。由于工商银行信贷总量大,市场占比高,与国家的宏观经济政策和宏观经济走势密切相关,国民经济的运行态势将直接影响其信贷资产的质量。经济运行的轨迹是不均衡的,而经济运行的任何波动都有可能引发银行信贷对某一或某 Preventing and controlling credit risk in the industry is an important part of the credit management of commercial banks. As ICBC has a large amount of credit and a high market share, it is closely related to the country’s macroeconomic policies and macroeconomic trends. The operation of the national economy will directly affect the quality of its credit assets. The trajectory of economic operation is not balanced, and any fluctuations in economic operations are likely to trigger bank credit on one or some