福建省水泥行业正处在产能结构调整的关键时期。产能结构调整虽然有利于优化产品结构,增强企业的抗风险能力,但却容易使银行的信贷风险提前暴露,增加银行的经营压力。本文对福建水泥行业的发展情况、信贷资金风险状况以及风险防范中的难点进行深入的调研分析并提出对策建议。 Fujian cement industry is in a critical period of structural adjustment of production capacity. Although structural adjustment of production capacity is conducive to optimizing the product structure and enhancing the anti-risk ability of enterprises, it is easy to expose banks’ credit risk ahead of time and increase the operating pressure of banks. This article conducts in-depth research and analysis on the development of cement industry in Fujian, the risk status of credit funds and the difficulties in risk prevention and puts forward countermeasures and suggestions.