ABSTRACT: In the era of rapid development of big data, the credit business of commercial banks is deeply affected by it. In order to help commercial banks improve credit risk management level, reduce credit risk and improve the quality of credit assets. Taking CITIC Bank as an example, this paper, on the basis of analyzing the credit business structure of CITIC Bank, discusses the current risk situation of CITIC Bank, and makes in-depth research into the existing problems of CITIC Bank, so as to put forward improvement measures for the credit business risk assessment of CITIC Bank. Through research, commercial banks can better understand customers, improve the efficiency of credit approval and reduce the cost of credit, so as to better adapt to market competition.

Keywords: credit business, China CITIC Bank, risk assessment