studiesthewaystomanagetherisksinbanks.Fromtheabovepapers,wecanseethatfewscholarshavestudiedthewaytomanagecreditriskswithknowledgemanagement.Sothispaperwilldiscussusingknowledgemanagementtomanagecreditrisksforfinancialbanks.Thispaperisorganizedasfollows:SectionⅠisintroduction.SectionⅡanalyzescreditrisksinbankswithknowledgemanagement.SectionⅢstudieswaysforbankstomanagecreditriskswithknowledgemanagement.SectionⅣconcludes.II.ANALYZINGCREDITRISKSINBANKSWITHKNOWLEDGEMANAGEMENTA.ImplicationofCreditRiskCreditriskistheriskoflossduetoadebtor’snon-paymentofaloanorotherlineofcredit,whichmaybetheprincipalorinterestorboth.Becausetherearemanytypesofloansandcounterparties-fromindividualstosovereigngovernments-andmanydifferenttypesofobligations-fromautoloanstoderivativestransactions-creditriskmaytakemanyforms.Creditriskiscommoninourdailylife个个人信息评级系统和建立数据仓库。