With the outbreak of the 2007-2008 global financial crisis, more and more people are beginning to realize that the risk of a modern economy. In fact since the 1990s, the international economic crisis on the frequent outbreaks. People began to focus on financial security, and strive to reduce risk. The most important is the economic crisis financial crisis. The banking industry as the core of the financial industry, its main business - credit risk to banks and the entire financial industry have an enormous impact. This article from the credit operations of commercial banks, combining the current development of economic sociology, the causes of the commercial banks formed a detailed risk analysis. After the theory into practice, combined with the characteristics of the current development of China's commercial commercial banks, the causes of its risk to do a specific research question and try to give them some autonomy proposal for China's current commercial banking business of credit risk management and theoretical studies were further explored.
