The Research On Risk Management Improvement Of Bankcard Business Of Hunan Agriculture Bank

In recent years, the bankcard industry has flown into the fast lane of development. With the continuing improvement of the functions of bankcard, the bank industry has been deeply aware of the fact that any traditional bank business, can compete with the bankcard business in the profit space. At the same time, stoping the development of bankcard business, means withdrawing the competition from the high-profit market. The Agricultural Bank of China, Hunan branch has achieved a leapfrog development during the last two years. However, there are two errors viewpoints in the risk management of bankcard business: one point of view is an inertia one, it exaggerated the risks and uncontrollability of risk in bankcard operation; another point of view pays little attention to the risks in the process of bankcard business development. According to these facts, it is important and urgent to make further research in the risk management of bankcard in order that a healthier and sustainable development of bankcard in the ABC, Hunan branch can be made.In this report, according to the current condition of the ABC, Hunan branch, the author makes an analysis in the cccrrent situation of bankcard business risk management. There are three types of risk in the ABC, Hunan branch bankcard business: internal risk, the risk of cardholders and the third-party risks.To achieve the purpose of effective prevention of these risks, bankcard business risk management in the Agricultural Bank of China Hu Nan Branch, requires self-management and self-monitoringof the bank. In addition, advanced technologies and experiences management should be learned from to improve the internal control and risk management of the bank. At the same time, the social environment which may influence the risk management in the bankcard business should also be analyzed, and effective measures on risk management should be taken to improve the risk management of ABC, Hunan branch.The author believes that among the specific preventing measures, enhancement of the risk control of the Bank Card Processing System and the development and operation of the effective bankcard business bankcard business risk surveillance system and Bank Card Customer Relationship Management System are the most necessary ones. According to the Agricultural Bank of China Hunan branch bankcard business risk management, it is required to adjust its structure, to improve the overall credit environment; the Agricultural Bank of China Hunan branch will make research on its bankcard business, operational risks and all types of risks prevention measures.