Abstract
Risk is the basic characteristics of modern economy, credit risk is the biggest risk to commercial banks, the banking operation and risk prevention is the development of the eternal theme. Often exist in the banking sector risks, the problem is most concentrated credit risk. Commercial Bank of China due to historical, institutional, and its own reasons, to accelerate the accumulation and the accumulation of bad assets, focused on the performance of the stock of non-performing assets of commercial banks is difficult toresolve,incremental difficult to contain, the prevalence of serious credit risk. This paper analyzes the commercial banks the performance of credit risk and causes, and then elaborated on the banking system of its adverse impact of credit, the last of the credit risk prevention measures and put forward specific recommendations to strengthen the post-loan management, appropriate regulatory system, a comprehensive operation of commercial bank assets to ensure the safety of the credit.