<p>The technology credit asset portfolio model is crucial for balancing the risk and return for commercial banks. However, existing models overlook the fractal distribution characteristics of the risk or return of technology credit assets, significantly compromising portfolio performance. To overcome this shortcoming, this paper introduces the fractal statistical measurement method to incorporate the fractal distribution characteristics of the risk and return of technology credit assets into the credit asset portfolio model, thereby constructing a fractal credit asset portfolio model. To test the effectiveness of the fractal credit asset portfolio model, we compared the maximum return-risk ratio of the fractal portfolio with that of the benchmark portfolio. Empirical results indicate that when the risk and return of technology credit assets exhibit fractal distribution characteristics, the fractal statistical measurement method can effectively enhance the management efficiency of commercial banks' technology credit asset portfolios, thereby better helping commercial banks balance risk and return.</p>