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Macroeconomic volatility and bank credit influence each other, the relationship between them attracted a wide spread attention after the financial crisis in 2008. Thus this paper did the research on Credit risk and bank credit behavior of our country. We found that the credit risk has a pro-cyclical characteristic in China. The results show that:(1) the pro-cyclicality of credit risk on large banks are more obvious than City Commercial Bank; (2) the adjustment of provision for loan loss reserve to credit growth is counter-cyclical. Further study found that counter-cyclical performance of large banks was not significant, City Commercial Bank's loan loss provisioning for loan growth of counter-cyclical adjustment mechanism are obvious. This paper recommends to take counter-cyclical loan loss reserve management measures and non-discretionary manner to deal with the risk of bank credit.

Credit Risk and Bank Credit Behavior under the New Normal Economy