近两年,我国公路建设发展速度较快,投资需求旺盛,建设银行对公路行业贷款比重逐年增高;同时,国家为规范该行业发展相继出台了一系列政策法规。根据上述情况,本文对公路行业发展中的风险因素及银行信贷政策进行了研究分析。一、公路行业的环境风险分析９０年代以来,我国公路建设 In the past two years, the development of highway construction in our country has been rapid with the demand for investment being strong. The proportion of loans to the highway industry by China Construction Bank has been increasing year by year. At the same time, the state has promulgated a series of policies and regulations in order to regulate the development of the industry. According to the above situation, this paper analyzes the risk factors in the development of the highway industry and the bank credit policy. First, the road industry environmental risk analysis Since the 1990s, China’s road construction