Credit Card Risk Analysis And Control Of China's Commercial Banks

Although the developing country of China, nearly three decades, along with the reform and opening up, the economy has developed rapidlv, GDP has overtaken Japan as the world's second largest economv. For three decades, China's rising income levels, purchasing power continued to improve, and the corresponding payment settlement has also been growing. Electronic payment as the main carrier settlement, the credit card has been widely used. With the rapid development of the credit card business, a certain amount of credit risk has been accumulated, to a certain extent, witch has restricted the healthy development of China's credit card business.The author has used the relevant business knowledge, business credit cards from banks reality, combined with vears of experience in the credit card, and analyzed the credit risk of domestic and international situation, summed up the credit risk of the research methods and innovative features. In this paper, the meaning of credit risk, characteristics and types of multi-angle are described, detailing the credit risk, operational risk, fraud risk these three maior risk categories. From the Angle of academic, the author has made a brief analysis of relevant literature, outlined the credit risk of a scientific concept and content.From the traditional point of view, the credit risk of the legal system, the cardholder credit risk, fraud risk, risk management philosophy, risk management systems and risk management tools have been analyzed in this paper. Content of credit risk is complex, along with business development, but also some new emerging risks. In this paper, two new installments of risk points about the third-party credit card payment platform and outsourcing have been listed, along with summarizing some risk characteristics, in order to guard against them.In this paper, the author briefly introduced advanced credit risk management practices of the developed countries and regions, with the United States. Britain. South Korea and Taiwan as an example, analyzed the credit risk control practices. As this article core contents, the author has also focused on the credit risk control measures, from the system, system construction, improving the credit system, increasing policy guidance, enhancing support for efforts to combat illicit cash in the angle of the system construction and other control measures. The credit risk control tools and methods have been analyzed by improving the system construction and data analysis, controlling data authenticity, optimizing the credit process, strengthening the building, strengthening the appraisal, building a comprehensive risk management perspective. In this paper, the author has also analyzed the two positive cases, outsourcing and third-party credit card installment payment platform details of the specific risks, in order to facilitate targeted to protect them.Through this exposition, the main contents of credit risk and risk control measures have been understood. Honing the credit card business in China to further regulate the operation of effective risk prevention and control, to make some modest to commercial banks in the credit card business rapid and healthy development!...