Countermeasures On Credit Card Risk Of Commercial Bank And Case Analysis

June of 1985,Bank of china zhujiang branch apply the first credit card in China, after there the credit card business developed significantly. From the beginning of the 21st century, Chinese commercial banks' credit card business in issuance volume, trading volume and card using has developed quickly. Credit card business has been one of the most profitable production. But with the dramatic increase of credit card quantity and the frequency of card transactions, the risks of credit card have emerger a growth spurt. Risk has been existed from issuance, uses to daily inspect, and credit card risk has character such as used widely, risk kind multiplicity and society imperil widely. How to identify credit card risk effectively now, and constitute system in issuance or daily control, reduce losement of risk, increase the level of earnings becomes a big challenge of issue banks.The thesis begins from the credit card risk of korea and Taiwan,combines the actuality of our commercial bank credit card,indicate the problem of credit card's risk management.Secondly,the thesis analys the reason of credit card risk from lawer,management,technology and economic entironment systematically.At the same time gives serial suggestion to keep away the risk of credit card.The thesis introduce the VaR technique in order to contral the risk of credit card dynamically, and provides the material method based on VaR technology from modified account note.At the last,the thesis puts up the case analysis on management of credit card risk in Bank Of China,points out the material matter,and apply the material step to keep away the credit card riak.