| Since 2003, the development of the domestic credit card market, "first year" since, with the development of various functions of the credit card has been in the position of people's lives becoming increasingly important. It is difficult to give up has become a basic tool. As a result of market competition, domestic commercial banks in the credit card market one after another, "Happy enclosure", to a certain extent ignored in the process of operational risk control.This paper introduces the credit card industry at different stages of development, as well as the status of the credit card industry and business risk control processes, the use of management control theory of direct control and indirect control theory to process credit card business in all aspects of effective risk control.In this paper, the main body is divided into four sections, the first commercial bank in China's credit card business history and the status quo. Major credit cards, introduced at different stages of development; credit risk control as well as the status of the main problems. The second part is the credit risk related to the theory outlined in the prevention and control. Introduced the concept of credit risk prevention and control; credit risk characteristics and types; credit risk analysis and management of the causes of control theory. The third part is the theory of management control to prevent and control risks in the credit card application and the corresponding strategy. Introduces the credit card business processes in all aspects of the use of management control theory for the effective control of risks. The fourth part is in the process of credit card operations and risk prevention and control of the potential risks of the strategy. Introduced foreign banks and other financial institutions to intervene; of operating the way credit card companies; with the credit card-related policies, laws and regulations of the risks associated with the lag and coping strategies... |
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