2013年以来,受内外部叠加因素的影响,我国经济增速呈现回落态势。而从中长期看,中国经济的潜在增速也逐步放缓。信贷业务是商业银行的核心业务,受经济增速放缓的影响,我国实体经济信贷需求走低,导致商业银行信贷投放节奏放缓。本文基于金融生态的非均衡性理论和我国经济发展的现状,对经济增速放缓形势下的商业银行信贷业务发展趋势进行了预测分析。同时,基于金融生态的非均衡性,对经济增速放缓形势下商业银行面临的信贷风险进行了考察,并从金融生态建设的角度分析了商业银行信贷业务接续发展和策略调整的思路。 Since 2013, due to the influence of internal and external overlays, the economic growth in our country has shown a downward trend. In the medium and long term, the potential growth rate of China’s economy is also gradually slowing down. Credit business is the core business of commercial banks. Affected by the slowdown of economic growth, the credit demand of real economy in our country is getting lower, resulting in the slowdown of commercial banks’ credit spending. Based on the non-equilibrium theory of financial ecology and the status quo of China’s economic development, this paper predicts the development trend of commercial banks’ credit business under the slowdown of economic growth. At the same time, based on the disequilibrium of financial ecology, the credit risk faced by commercial banks under the situation of economic slowdown has been investigated. From the point of view of financial eco-construction, the thinking of continuous development of credit business and strategic adjustment of commercial banks has been analyzed.