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Credit risk still has been the main risk facing the retail banks recent years ,it threatens our financial security badly ,especially under this great shock of economic crisis. This artical introduces the basic meaning of retail banks(merchandise banks) and its conditions ,analyses the origin of the credit risk of retail banks under the specific economic environment , at the same time studies how to prevent the risk based on the current situation , finally it brings forth a series of management methods and measures.

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Credit risk in recent years, China's commercial banks still face a major risk, especially in the current economic crisis, the serious impact the financial security of our country poses a serious threat. In this paper, China's commercial banks and the credit risk of the meaning of the basic situation, analyzes the credit risk of commercial banks and special causes of the economic environment, and how to guard against conditions in