Study On The Optimizing And Innovation For The Ratification Of Corporate Credit Conferring Of The Joint-stock Commercial Banks

Acting as a part of China's main commercial banks, the joint-stock commercial bank plays an important role on the stability of the healthiness and optimizing of the corporate credit conferring system and rules in the whole financial system. With China's accession into the WTO, China's banking system runs deeper in its open policy, and the financial system is facing with a vital opportunity. And how to adapt to the new surroundings, fasten the optimizing and innovation of ratification process for the corporate credit conferring, promote the ratification efficiency of the corporate credit conferring, prefect the client manager system and upgrade the competitive force consists of a must for the joint-stock commercial banks.For a relatively long time, problems arise for the corporate credit conferring system and rules within the joint-stock commercial banks and they go as follows: many procedures in the ratification of the corporate credit conferring system; less efficiency and no ways of controlling and reducing ventures; collective ratification and mixture of rights and reliance; the abuse of the leadership governance and the marketing shortage, etc. From the experience and actuality of foreign and domestic banks on the ratification of the corporate credit conferring, the article intents to forward the vitality and necessity for the ratification process of the corporate credit conferring; from the multi points of view of optimizing the ratification mode of the corporate credit conferring, being in conformity with the organizing structure of the corporate business, pushing the rules of authorized corporate credit conferring ratification and implementing product managing system, the article forwards positive suggestions on the ratification process of the corporate credit conferring within the joint-stock commercial banks. And all these measures will surely promote the level of decision-making for the corporate credit conferring and the quality of credit conferring assets.