In order to effectively avoid the credit risk caused by the change of collateral value, the following measures can be taken: (1) Require the borrower to restore the collateral value. If the collateral has been insured, the bank shall require the borrower to restore the original value of the collateral in time after the borrower obtains a claim through insurance; If the collateral is damaged or lost due to the reasons of a third party, the bank may prompt the borrower to obtain compensation through consultation or according to law, and require the borrower to restore the value of the collateral. (2) Replace with other full-price collateral. When the value of collateral depreciates obviously, it can't meet the requirements of bank mortgage rate, or it is damaged or lost, which will cause greater risks to bank loans, and the borrower may be required to replace other full-value collateral. (3) If the borrower recovers the loan in advance according to the contract or the law, and the collateral is damaged or lost, and the mortgagor fails to restore the value of the collateral as required by the bank and cannot provide other guarantees, the loan will be recovered in advance according to the contract or the law; If the borrower does not pay attention to the use of the collateral, so that the bank can not properly keep and reasonably use the collateral, the bank can ask the borrower to stop its behavior and restore the value of the collateral. If the borrower fails to perform, the loan shall be recovered in advance according to the contract or according to law. (4) Re-evaluate the value of collateral and dispose of collateral in time. If it is found that the value of collateral has depreciated, but the mortgage rate is reasonably controlled, the value of collateral can cover the loan principal and interest. At this time, banks should pay close attention to the collateral and solve two problems: will the collateral continue to depreciate and what is the value of the collateral? To solve these two problems, banks need strong market judgment. Only by grasping the value of collateral can we control the influence of its price fluctuation on bank credit, and banks should reasonably use the law of value to judge the loan risk.