Bank Card Risk Prevention And Management

Today's world, bank cards have become an economic life of the most important settlement tools. Both large and small countries, the four specialized banks or financial institutions will not miss this little card settlement easy and flexible tool for promotion of bank card issuers have the amount of bank card clearing business lines to expand, at the same time, banks card payment and settlement security issues have become increasingly prominent in the world, bank card fraud crimes often occur, the means of bank card fraud ever-changing economic losses annually and hundreds of millions of dollars. How to prevent and combat all types of criminal activities, bank cards has become the world's major problems need to be resolved.This paper studies the bank risk management system is to use the bank's data, using computer processing regularly download banking systems on the data of water, a bank to bank risk identification, collection and report, warning and on-line analysis of data warehouse in bank risk management system, through a series of risk analysis and management of auditing, etc. To handle card holder who work the trade risk evaluation, establishes the customer account. For individual consumer credit card business management and provide scientific basis for decision-making and prediction. Meanwhile based on neural network technology based on the changes in fraud is fast, the frequency of sex, using neural network model identification to detect, through the simulation analysis, the customer spending habits, find the card behavior characteristics of new consumption or my credit card fraud behavior, if found no withdrawal from the normal transaction database output customer contact, through telephone or messages to confirm with the customers, customers can rear deal.This paper mainly studies from three aspects: one, the risk from materials and brush card to prevent magnetic anti-counterfeiting technology pseudo card the risks. Second, the evaluation of personal credit, to guard against credit risks. Third, not the operation of fraud risk.This paper firstly with the bank risk management study, our bank risk factors, the bank risk analysis of the types, and puts forward Suggestions of theory, and risk management system of the existing card carries on the corresponding improvement in China, the bank transaction development has the important practical significance.