The measures to prevent and control the credit risk of personal business loans include: ① strengthening the investigation and analysis of borrowers' repayment ability; (2) Strengthen the investigation and analysis of the business operation of the enterprise controlled by the borrower; ③ Strengthen the investigation and analysis of the repayment ability of the guarantor; ④ Strengthen the investigation and analysis of the value of collateral. In order to effectively avoid the credit risk caused by the change of collateral value, besides ABD, other measures can be taken: to recover the loan in advance according to the contract or according to law.