the **all and medium-sized enterpr**es already than the total enterpr**e 99%of all,** an important part of the national economy;as the main mechani** of bank financing,and **all and medium-sized enterpr**e loan of commercial banks in china ** an important business,but the r**k management of the **all and medium-sized enterpr**e loan was a problem,so strengthening **e loans r**k management,helps to keep the **all and medium-sized enterpr**e production of stability and long-term development,and promote the stable development of **all and medium-sized enterpr**es,but also benefits the loan r**k essence,adapt to the current understand with changes and uncertainty of the macroeconomic environment and the world economic situation,ensure the safety of bank funds.in 2008,commercial banks after development of **all and medium enterpr**e loan ** also facing the current financial cr****,protect themselves from the hit,**oid r**k means;** support **all and medium-sized enterpr**e development has become a fact,th** also ** implementing the scientific concept of development,realize own a necessity of sustainable development.th** ** combines the current **es defficult borrow th** embarrassing situation,and on the analys** of the current our country commercial bank **all and medium-sized enterpr**es based on the cause of the loan r**k,expounds the commercial bank of r**k management on **all and medium-sized enterpr**es,commercial banks internal essence strengthen **all business loans,and the significance of the r**k management of commercial banks in developing **all and medium-sized enterpr**e loan process,how to effectively manage r**k,improve bank asset quality put forward point of view.