1. The high-risk industries are generally as follows:

2. Financial industry;

3. Building materials industry;

4. Industries with high energy consumption and high pollution;

5. Real estate related industries;

6. Bulk material industry;

7. Other sunset industries, etc.

8. Shipping and so on.

It is classified as a high-risk industry, and the industry is not generalized, focusing on assets, liabilities and income.

Credit risk control goal: one-way utility. Security is the premise and goal of bank loan business, but this kind of security is conducive to business development and income expansion, not without paying attention to the security of income, not without risk or low risk of negative income.

In recent years, the credit risk awareness of China's commercial banks has been significantly enhanced, and most banking institutions pay more attention to credit risk control in the process of credit management. However, most banking institutions cannot properly handle the relationship between business development and risk control, and often choose one-way between business development and risk control. Some branches unilaterally pursue the quality of credit assets and mechanically pursue zero non-performing loans, which leads to the continuous shrinkage of credit business and low operating efficiency, which further restricts the improvement of credit asset quality and causes a vicious circle among credit asset quality, business development and operating efficiency.

Of course, it does not rule out that some sub-branches still go their own way, ignore the risk of credit assets and blindly issue loans in order to achieve immediate deposit and profit goals and improve their work performance, resulting in non-performing loans at the same time of collection, divestiture and write-off, and the non-performing loan rate remains high. The main reason lies in the lack of the idea of integrated management of credit risk and income in thought and the lack of the mechanism of integrated management of credit risk and income in action.

Quality of credit risk control: Is zero risk the best? If it is purely from the safety principle, then zero risk is of course the best state of credit risk control quality, which is beyond doubt. However, maximizing benefits is the ultimate goal pursued by banks and the starting point and destination of development and security. Income and risk are two sides of the same thing, which are contradictory and must be unified.

In the real monetary and credit economic activities, the credit business of commercial banks is always accompanied by risks, and the operation of credit funds cannot be absolutely zero risk, but only relatively low risk. No matter what mechanism or measure is adopted, its function is only to reduce, control and prevent risks, and it is impossible to avoid risks. If the permanent danger is truly realized, then, one is the loss of development and efficiency, and the other is the death of the monetary credit economy.