Study Of TCCB BankCard Risk Management

Following the development of our market economy and the general malgamation between finance and Economic and Social, the percentage of popularization of bankcard as became higher and higher in our country. The bankcard has turned into a multifunctional financial tool.Because of the bankcard applying characteristics, such as much taches, large range, bankcard has more risk than other operation of commercial business. Bankcard calls for higher request of risk management .This thesis, which through analysis of the classification of risk for bankcard, the risk characteristic of commercial bank, the problem of management risk and the analysis of bankcard risk of Tianjin City Commercial Bank, gives the idiographic advices of how to enhance bankcard risk management ,and especially gives advices for thc cheat risk of bankcard from the point of technical prevention . Associated actual work. It provides beneficial think for the bankcard risk manager.Firstly, through analysis for progress actuality and risk constitute of bankcard of commercial bank in my country ,it opens out bankcard's structure of card sorts and risk. Through analysis of risk management actuality of Tianjin City Commercial Bank, It analyses basic reasons for risk cause of formation.Secondly, through analysis of exterior circumstance of bankcards, such as policy, law and social credit. It expatiates that risks of policy and law bring bad effect to afterwards disposal of bankcard and capital. It appeals enough recognition of banking.Thirdly, this thesis expatiates from following aspects: organizational system of constructing risk management of bankcard , establishing and perfecting inner control system of risk management of bankcard, advancing construction of information system of risk management of bankcard., perfecting operational programme of risk management of bankcard. It goes along systemic research to risk management of bankcard of Tianjin City Commercial Bank. By way of putting an end to interior risk of bank, it gives advice from aspects of organizational system , operational programme and system of credit evaluation .Lastly, for the increasing cheat risk of bankcard, this part enters into the common sense to keep away risk from the customers superficially. Then from two aspect ,data transmission and card information, it describes the measures to keep away thebankcard risk through technical management. Finally, it gives final measure to prevent from the risk of magnetic cards——the transfer of EMV ,this measure can solve risk of magnetic cards finally.