Commercial banks are special enterprises who operate the credits and money . one key factor which affect the economy is the bank credit system . so economic risks are mainly displayed through the commercial bank credit risk 商业银行是经营货币与信用的特殊企业,以银行信用为主导的信用制度已成为左右经济的关键因素,而经济中的风险也就通过银行信用风险集中表现出来。