水电在我国电力结构中占有重要的地位,是各家商业银行信贷支持的重点。本文通过对水电行业优势及风险的调查分析,阐释对水电行业贷款重要性的认识,提出水电行业项目营销重点和信贷政策,并对防范化解贷款风险和优化外部环境等方面提出若干对策和建议。 Hydropower occupies an important position in China’s power structure and is the focus of credit support of commercial banks. Through the investigation and analysis of the advantages and risks of the hydropower industry, this paper expounds the understanding of the importance of hydropower industry loans, puts forward the project marketing focus and credit policy of the hydropower industry, and puts forward some countermeasures and suggestions on how to prevent and mitigate the loan risks and optimize the external environment.