Abstract the United States sub-loan crisis of the global financial industry in particular has produced important influence American consumption credit business of commercial banks, the fundamental reason is that bank credit is not high degree of housing mortgage loans to borrowers of excessive. Since our country commercial bank since 1997 to develop the consumption credit business, although the pace of development and growth in the size of the risk, but especially in the lack of. While risk management problems exposed in the sub-prime crisis is of great significance to our country's commercial banks, through the analysis of the subprime mortgage crisis mechanism and afterwards all aspects of response measures, combined with China's commercial banks credit business situation and characteristics of the Commercial Bank of our country, and puts forward some feasible suggestions on the risk management of consumer credit business, for the the risk to an acceptable level in the lowest level, so as to promote the development of consumer credit services of commercial banks in our country healthy and orderly. This paper made a comprehensive analysis on the different types of consumer credit business of commercial banks in China, using comparative analysis, literature analysis, data analysis, summed up the commercial bank consumer credit risk management in our country, with the United States subprime mortgage crisis on credit risk management of commercial bank consumption in China, which is suitable for the on the specific measures of credit risk management of commercial bank consumption in China, thus draws the conclusion. Keywords: subprime mortgage crisis of commercial bank credit risk management
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