in Jiangsu Province in recent years,the credit risks stand out for those commercial banks which provide loans to these enterprise groups.

The commercial banks enter into an unknown risk field while exploring profit and should establish and cany out an effective risk management of the credit business for the group client to ensure financial safety and stabilization.

The Credit management is an important mean in banks’risk control.

On Problems and Countermeasures of Credit Granting by Commercial Banks;

Practical case analysis on effectiveness of bank accredited credit rating;

Two models about how to confirm the line of credit in two different information environments and analyze the potential impact which was offered by information sharing on the credit action between commercial bank and middle a.

Hence, implementing credit management to make coordinated planning of risk and return is an important approach to ensure banks’security and profitability, which makes line of credit, the core of credit manage.

In this paper, all kinds of risks on credit risk management of commercial bank are studied from three professional levels, including macroeconomic environment, microeconomic environment and interior management environment.

The paper researches characters and causes of group enterprises credit risk and refers to some oversea advanced practices.

But because of its newly starting and lack of risk precaution experiences,it has become an important task for commercial banks to guard against and control credit risk in China presently.

The connotation of unified authority management in modern stock joint commercial banks is introduced.