Intech is showing strong momentum in 2024, with the market size continuing to expand, and technological innovations such as big data and artificial intelligence driving the continuous innovation of financial products and services, which are accelerating towards intelligence, efficiency, and universality, despite challenges such as data security. Based on the above background, this paper, based on the research results at home and abroad, takes SPD Bank as an example, collects and organizes the annual report data of SPD Bank in the past ten years, and analyzes the association between the development of fintech and the credit risk of commercial banks through the empirical test, as well as analyzes the current fintech credit risk management of SPD Bank. Based on the theoretical analysis of the impact of fintech on the credit risk-taking behavior of commercial banks, the impact of the development of fintech on the credit risk of commercial banks is argued.