compared with the Basel new capital accord modern management requirements, the ability of banks in credit risk management in our country, based on relatively weak, cannot ful y adapt to the banking industry in the future business development, market competition, busines sustainable development, and other requirements. Therefore, the article wil be through the bank credit risk as essment model building, and put forward the way to strengthen the credit risk management system and to raise the level of bank credit risk management to provide ef ective basis.