The risk control methods of commercial bank loans generally include risk avoidance, risk dispersion, risk transfer and risk compensation. Risk aversion refers to a pre-control management decision that the decision-makers of commercial banks have realized the existence of high risks, voluntarily give up some loan business and refuse to take risks. Risk diversification refers to the measures to diversify the risk portfolio to control the excessive concentration of risks. Risk transfer refers to a management method to transfer the possible risks to others through various means to ensure the loan safety of commercial banks before the loan risks occur, and it is also a means to control risks in advance. Risk compensation is through the establishment of a series of risk funds, when the loan risk loss occurs, it can be made up by risk funds.