In　this　paper,　I　use　generalized　moment　estimation　to　investigate　the　impact　of　banking　competition　and　agglomeration　on　bank　credit　risk,　based　on　the　unbalanced　panel　data　of　China＇s　banks　from　2011　to　2020.The　results　show　that　there　is　a　long-term　and　short-term　dynamic　correlation　between　bank　competition　and　bank　credit　risk,　there　is　a　long-term　significant　negative　correlation　in　the　whole　investigation　period,　but　there　is　a　nonlinear　＂U＂correlation　in　the　short　term.　Bank　agglomeration　and　asset　size　also　have　a　significant　impact　on　bank　credit　risk.　Therefore,　the　formulation　of　macro　prudential　regulatory　policies　should　fully　consider　the　competition　and　agglomeration　of　banks,　strengthen　the　coordination　of　regulatory　policies,　and　effectively　deal　with　the　accumulated　risks　of　unbalanced　development　of　the　banking　industry,　so　as　to　promote　economic　and　financial　stability.　　©　2022　ACM.