Research Based On The Corporate Credit Risk Assessment Of JN Branch Of ZGGS

The full opening of China’s financial industry has intensified the competition among commercial banks in China,and raised the risk of credit business of banks which mainly depends on the interest margin of deposits and loans.Especially in recent years,the economic environment downturn,all kinds of industrial recession type development,resulting in many banks,including ZGGS,“ too afraid to loan” or “ lend unrecalled”.How to find a way out of funds under the premise of effective risk prevention,make money value in the process of social value creation and play the wealth effect,directly related to the core competitiveness of commercial banks.And on the other hand,the quality of the credit assets of commercial banks,the level of risk,not only directly determines its own level of profitability,but also related to the smooth operation of the national economy and the country’s financial security.The corporate credit business of JN branch of ZGGS has also been several changes in recent years,but the flow of credit,increase or decrease,the transfer of personnel rotation,system upgrades and other measures are not completely against the bad assets,the development comes to a deadlock for several times.This article attempts to take the bank credit risk evaluation model as the breakthrough point,through the analysis of the existing risk assessment system of loopholes and drawbacks,to sort out the qualitative and quantitative indicators and approve more scientific weight,and then establish a more systematic and perfect risk assessment model on this basis.At the same time,under the premise of obtaining permission and ensuring the authenticity of the data information,taking a typical enterprise--AMKJ(China)bio Pharmaceutical Co.,Ltd.,--as an example,to verify the operability of the model,after a series of financial data and other information analysis of the evaluation results of the enterprise,and puts forward the corresponding management strategy.At the end of this paper,the author puts forward some suggestions on credit management based on the risk assessment model,in order to effectively prevent the bank credit risk to put forward the feasible reference,to help further enhance the level of credit risk management,promote the healthy and sustainable development of credit business.