商业银行是金融系统的重要构成,对社会经济的影响作用不容小觑。信贷业务既是商业银行实现盈利目的的主要渠道,也是其经营风险的主要来源。在宏观经济不确定背景下,信贷给银行经营带来的风险越来越高,对此进行有效的防控正逐渐成为银行管理最重要的任务。本文结合我国银行业的发展现状,探讨了宏观经济不确定下的商业银行信贷风险防范。 Commercial banks are an important component of the financial system, and their impact on society and economy should not be underestimated. Credit business is not only the main channel for commercial banks to achieve profitability, but also the main source of their business risk. Under the background of macroeconomic uncertainty, the risks brought by credit to banks are getting higher and higher. Therefore, effective prevention and control of them is gradually becoming the most important task of bank management. In this paper, the development of China’s banking sector, the macroeconomic uncertainty under the commercial bank credit risk prevention.