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The development of modern science and technology takes "the improvement of computing capacity and data mining application and transmission" as its essence, which continuously promotes the development of commercial Banks, and the credit business subconsciously needs to change in the intelligent technical background.Big data technology can build a new credit system perspective for bank credit business, explore the potential value and specific financial status of customers, analyze the potential capacity of customers, reduce the service cost of Banks and reduce the loss of customers.This paper analyzes the current situation of China's commercial Banks' credit business, conducts a SWOT analysis of China's commercial Banks' credit business, analyzes the positive impact of the era of big data on the development of China's commercial Banks' credit business, and puts forward countermeasures for the development of China's commercial Banks' credit business in combination with big data technology.

China's commercial bank credit business Research on challenges and development countermeasures in the age of big data