Research On The Risk Management Of The Credit Card In China Construction Bank

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 Construction 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 China Construction Bank's actual condition, this essay utilizes the methods of contrastive analysis, qualitative analysis and quantitative analysis to discuss the credit card risk management in China Construction Bank Firstly, the essay gives the definition of credit card risk, analyses the kinds and characteristics of credit card risk. At the same time, this essay deeply analyses the theory foundation and background of credit card risks from macrocosmic and microcosmic view. Secondly, this essay analyses the actuality of credit card risk and the credit card risk management problems in China Construction Bank. Thirdly, this essay introduces the successful experiences of credit card risk management in some international commercial banks and sums up some enlightenments of credit card risk management that China Construction Bank could use for reference in its own practice. At last, the author puts forward some useful suggestions from beforehand risk prevention, just-in-time risk control and afterward risk treatment with reference to the successful credit card risk management experiences of commercial banks in the world.