Credit Card Default Risk Personal Influence Factors Research

Credit card, as a global and modernized payment tool, is inaugurating a new era, which China is stepped-up to strike in. Credit card brings both the new opportunities and' challenges to individual finance, business operation and macroscopic management of the government:Credit card is a new industry with new high risk and high return.China's credit card market is beginning running, which have broad inspective of developing and space of profit. At the same time, the market is full of risk. It is really a difficult problem for many Chinese commercial banks to balance the risk and profit on credit card issuance. Therefore, the study of the actuality of credit card risk management in China Bank may give guidance to improve its credit card operations. Furthermore, it has both theoretical and practical significance for the improvement of credit risk management of our commercial banks, especially state-owned ones.Based on the integration of theory and practice, combining with PingAn Bank's actual condition, this essay utilizes the methods of contrastive analysis, qualitative analysis and quantitative analysis to discuss the credit default card risk management in Bank, Credit card default risk condition through the ways of collect and data sorting and so on, study the prediction function of "Personal characteristics" as the antecedent variable against "Credit card default risk" as the induced variable by applying SPSS15.0 software for data analysis.The main discussions are gotten from the study as followed:(1) Credit card default risk is the main Credit card risk.(2) The reason of the credit card default risk is various, mainly from three aspects, that is, the customers own factors,the imperfect process and system in the internal bank and the imperfect credit system and related laws and social credit system and moral construction is relatively backward..(3) Influence factors of personal credit default to five, according to the weight from strong to the weak arrangement is as follows:the economic strength, the income is stable, financial liabilities, age, marital property other household and degree. Finally, this paper analyses the characters and theories of the credit card risk., it puts forward some suggestions from 2 aspects for our commercial banks'credit default risk management of credit card business.