Abstract
The core competitive capability of modern commercial bank is risk management. With the increasing proportion of the consumer credit in the whole loan business, the risk becomes more and more serious. However, the commercial banks on consumer credit risk management is still in the exploratory stage, in particular the reform of China commercial banks and consumer credit business development time is not long in this kind of research is more weak. Through the credit risking of management and methods of research. China commercial banks with consumer credit risk management in the survey, China of commercial banks on the status of consumer credit and risk performance, risk management conducted a comprehensive analysis of China commercial banks to identify consumer Credit risk management of the weak links in a targeted manner to take further measures, the Commercial Bank of consumer credit risk management put forward specific proposals the building.