A Study On The Corporate Credit Granting Risk Management Of JT Bank

with the economic and social progress, bank risk facing to the increasingly complicated and diversified development trend, the global financial crisis, especially the banking crisis cases abound. Bank credit to corporates as a core business of commercial banks, corporates risk management system is essential to the Banks healthy and rapid development. Our country commercial bank continuously absorb advanced risk management experience of foreign commercial bank, but because of the late start, there is still a gap for capabilities of corporate credit risk management compared with Western commercial banks, corporate credit business failure cases also occur frequently. Therefore, to explore a set of corporate credit management system which suitable for Chinese economy situation, in order to improve our ability of risk management and to prevent credit risk.I use case study method to analysis the current status and existing problems of JT bank corporate credit risk management, and put forward practical solution. At first, this paper interpret the theory of the commercial bank corporate credit risk and corporate credit risk management including the Connotative meaning of corporate credit business, operating procedures of corporate credit business, types and causes of risk, the framework of bank risk management, structure,procedures and prevention strategies of corporate credit risk management. Then this paper introduct case object--JT bank and describ current situation and problems of JT commercial bank credit risk management at the micro level. The risk management system has been optimized in risk early warning system, corporate credit business process, credit business internal rating method, risk control of the organization and management system.Then the paper introduct D company credit case in JT bank, analysis the process of JT bank credit business from the perspective of specific credit business, find the presence problems of JT bank operations in specific business, to improve process for corporate credit risk management system and the financial analysis of D company, Using the factor analysis method to build the new credit rating model, Using the date of listed companies on the industry to test the model,and Using the new method of rating to D company for rating again.