Based on the panel data of 218 commercial banks in China from 2009 to 2019, this paper studies the impact of economic policy uncertainty on bank lending, and explores the impact paths of economic policy uncertainty on bank credit from the perspective of credit demand and supply. We find that the uncertainty of economic policy will increase the growth rate of bank loans. Further research confirms that the credit demand path of economic policy uncertainty is not smooth, but the loan supply willingness volatility is a significant mediator in the process by which economic policy uncertainty affects bank loans. In addition, bank competition intensifies the impact of economic policy uncertainty on bank credit. Banks with higher competition are more sensitive to economic policy uncertainty. Our findings have important implications for policymakers who seek to develop more efficient and resilient banking sectors. We propose that the government should attach more importance to the role of banks' loan supply willingness in policy transmission, and strengthen the risk control of the banking system, thus enhancing the ability of commercial banks to resist shocks.