The Research Of Risk Control And Management Of China's Credit Card

Credit card is an important product of commercial bank, it plays an important role to economic development. Credit card is an important source of profit, it can stimulate the demand and improve the level of social consumption. The rapid and healthy development of credit card business can promote China's economic development strongly. However, in recent years, the risk of credit card has not been controlled effectively and hindered the development of banking business. To make the fast and healthy development of China's credit card business, we must solve the credit risk firstly.Firstly this text commence from the concept of credit card, analysis credit card in China of development process, especially 2002 up to now, our country the proud result obtain by credit card industry, from the modern age of the credit card the development the process, analysis our country credit card industry development of shortage, and our country credit card industry at fast development of in the meantime various circumstance face.Secondly the introduction credit card is in the other nation region of development circumstance; this text main laid particular emphasis on at the credit card industry at the United States, Taiwan, and Korea region of development. The United States credit card lead off set, then decline, end at prosperity, these is because of the United States the credit card industry solved it existence of problem income arrive of result. But Korea, Taiwan under the condition that not matures, hastily of development, but accumulated to gather in the development the process a lot of recessiveness of risk, end cause credit card crisis of big explosion.Then is to relate our country credit card, the industry meet of difficulty moderate breezes insurance,this text was main to relate our country credit card industry existence of economy risk, market risk, set now risk, artificial operability risk etc. This text emphasize to relate to think operability risk, it to take of conceal sex concealed suffer from with endanger, this text also more overall of analysis current some what region face various different risk, also for solve these risk establishment understanding measure definitely.End, this text pass analysis other nation experience of the credit card industry of the region and teach, come to our country credit card industry expose come out or possibility emergence of problem moderate breezes insurance the circumstance do a some solution. These solve a method from strengthen law measure, perfect gain confidence, improvement our country the exterior environment of the credit card industry and policy of exactitude leading's etc. set out, in order to better and perfect with exaltation hair card organization to the credit card risk put forward by risk management level control solve measure.