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目前我国钢铁行业逐渐面临供大于求、钢铁企业效益持续下降的局面,加之我国钢铁企业自身经营模式中存在的问题,钢铁行业风险已高度聚集。虽然在供给侧结构性改革的大背景下,国家强力推进钢铁行业去产能,但是整体状况并没有明显好转,钢铁行业信贷客户产能过剩风险依然是银行业金融机构面临的一大挑战。本文从银行信贷资源配置角度出发,分析造成产能过剩的原因,并提出政策建议。
At present, China’s steel industry is gradually facing the situation of oversupply and inefficiency of the iron and steel enterprises. Coupled with the problems existing in the self-management mode of the iron and steel enterprises in our country, the risks in the steel industry have been highly concentrated. Although the state strongly promotes the steel industry’s capacity-building under the background of supply-side structural reform, the overall situation has not been significantly improved. The overcapacity risk of credit customers in the steel industry remains a major challenge for banking financial institutions. This article from the bank credit resources allocation point of view, analyze the causes of overcapacity, and make policy recommendations.