全球经济总体呈现复苏迹象,制造业经济存在“融资难”问题,商业银行面临的“资产荒”仍未得到缓解。通过对制造业上市公司Z值分析与财务状况情况分析,得出制造业中各行业违约风险等级,在此基础上,提出银行信贷投向策略,包括对制造业的中长期信贷投放行业、短期信贷投放行业及信贷投放退出行业,为银行开拓制造业信贷市场和控制信贷风险提供细分行业信贷投放政策。 The overall global economy is showing signs of recovery. The manufacturing economy is experiencing a problem of “financing difficulty.” The “asset shortage” that commercial banks are facing has yet to be alleviated. Based on the Z-value analysis and financial status analysis of manufacturing listed companies, we get the level of default risk of each industry in the manufacturing industry. Based on this, we put forward the strategy of bank credit investment, including medium- and long-term credit manufacturing industry, short-term credit Launch industry and credit drop out of the industry to provide sub-sector credit launch policies for banks to explore the manufacturing credit market and credit risk control.