Marketeconomyisthecrediteconomyincertainmeaning,thelevelofanationalcreditworthinesscanreflecteconomicmarketizationdegreedirectly.Andthecreditofbankisthemostimportant,mostbasiccreditforminthewholesocialcreditsystem.AfterourcountryjoinsWTO,thebankingisstrongerandstrongerincompetition,butstilltherearegreatercreditrisksatpresentinthecommercialbankofourcountry.Thishasalreadybecomeverygreathiddendangerineconomicaloperationofourcountry,hasconstitutedgreatthreattoeconomicstabilityandfinancialsecurityofourcountry.
Keyword:Thecommercialbank,creditrisks,creditismanaged,theriskmeasuresmodels