China's Bank Credit Card Business Risk Management,

Credit card is an important product in commercial bank, and plays an important part in economic development. Credit card is an important resource of profit, and stimulates demand, increase the level of consumption, thus, it can promote economic development effectively. However, bank business has been hindered because the risk problem of credit card has not been control effectively. Therefore, if we want bank business to development healthily, first of all, we must settle the risk problem.Based on the development of credit card and theories and ways of risk management in domestic and foreign, and apply with knowledge of finance and management, and adopt the ways of comparing and analyzing, the paper discuss how to improve the risk management of credit card, and introduce the problem and methods which exists in the risk management. The paper has four parts, and the first part is an introduction. The second part is about the development and business of credit card. And the next part introduces the risk of credit card, and emphasizes the necessity of strengthening risk management. The fourth part is the last part, and the most essential one. During this part, the paper discusses how to improve the management of risk of credit card. According to the angle of bank risk, this part has been divided into three points. The first point is to build and perfect the system of risk management from the internal bank control, and the second point analyzes how to improve the system of risk management, and apply several ways to deal with the risk. The last point requires the bank should cooperate with other institutions to build relevant and whole system.