近年来,随着我国进入经济新常态,中小企业的发展越来越成为国家扶持的重点,因此商业银行关于中小企业信贷风险的控制也越来越重要。本文通过对商业银行风险控制的现状及问题进行分析,提出了构建信贷风险控制循环系统这一理论,以期对商业银行的风险控制提出对策建议。 In recent years, as China has entered a new economic normal, the development of SMEs has increasingly become the focus of state support. Therefore, commercial banks’ control over the credit risk of SMEs is also becoming more and more important. Based on the analysis of the status quo and problems of risk control in commercial banks, this paper puts forward the theory of constructing a credit risk control cycle system in order to put forward countermeasures and suggestions on the risk control of commercial banks.