Abstract:The credit risk management in commercial banks is the focus of the financial work,it is also the week link in China's commercial banks.From the view of the principal-agent relationship between commercial banks and the loan officers,the problem of credit risk management in commercial banks was analyzed.The special principal-agent relationship between commercial banks and the loan officers was studied,then a multi-task multi-stage principal-agent model was established.The results show that the multi-task multi-stage principal-agent model can encourage loan officers spent more efforts on collecting "explicit" and "implicit" informations,and the output of the loan officers in the two stages well be significantly greater than in the only one stage,thereby it can reduce the loan officers' moral hazard caused by the asymmetric information,and effectively reduce the credit risk of banks.