Abstract: Credit of consumption has become a major business for commercial banks in China,and the slice of the business is ever increasing in terms of both revenues and profits.The floating management of these assets,however,has become a major issue confronting the commercial banks,and it must be solved before the restrictions on foreign capital are completely lifted.The long term loan,scattered customers and mortgage of the business have posed challenges to the traditional approach used in the floating management of commercial banks.Improvements and suggestions are provided in this paper to tackle the problems and lower the risks.