Application of big data on commercial bank credit business and risk management, can effectively strengthen the bank's internal credit business evaluation system of the construction of the effect of further development of banking business, better mathematical and statistical analysis of the composition of the risk factors, in accordance with the requirements of the indicator system to build a more scientific and objective content. In this process, it is necessary to further assemble the current market financial information, so that the evaluation of commercial banks' credit risk business is more objective, and the development of qualitative and quantitative evaluation methods can only meet the requirements of commercial banks' risk pre-control theory. In the actual application process, the current banking business risk evaluation must be analyzed in accordance with objective and fair research methods, and according to the new trend of China's current economic development, in accordance with the actual requirements of the background of big data for China's commercial banks to provide control strategies for business risk, which will help China's commercial banks to further improve the credit business risk pre-control system, the application of big data to the credit business, and to improve credit business market competitiveness, promote the smooth development of the bank, and obtain sustainable and effective progress. Therefore, big data to boost the risk management of commercial bank credit business is an important form of the current development of bank credit business, and can promote the stability of risk control credit business.