Adjustment of industrial structure: In recent years, Qinzhou has actively promoted the adjustment of industrial structure, focusing on the development of petrochemical and equipment manufacturing industries. However, these industries have a long development cycle and need a lot of capital investment. If some enterprises encounter difficulties in the process of industrial restructuring, it may lead to an increase in their non-performing loan ratio.

Poor credit risk management: banks need to fully assess the credit risk of borrowers when approving loans. If banks have shortcomings in risk management, such as lax examination of borrowers' credit status and poor supervision of loan purposes, it may lead to the emergence of non-performing loans, thus increasing the non-performing rate of manufacturing loans.