The Study On The Risk Management Of Bankcard Business In Bank Of China Hunan Branch

The bankcard business, as a innovative financial services with the characteristics of high risk and high earnings, are always with risks in all processes of bank services since its birth. Nowadays the bankcard has become more and more common and the bank's services are becoming more complex constantly. One side, the bankcard have owned a broad stage for its development of the new service type. In addition, the risk of the bankcard business are in all aspects and levels exposed. Based on the realities above, the author supposes that the research of the risk management of bankcard business is very necessary and urgent for Bank of China, Hunan Branch.Through the study of paper, mainly domestic and foreign paper, of risk management, a preliminary analyse the risks of existing card types and characteristics of business risks, then the author analyse the risks management status of bankcard business in the Bank of China, Hunan Branch. The main problem is: conservative idea, unreasonable organizational structure of risk management, the inadequate internal control system and the lack of risk management professionals and so on. Similarly, the external environment in the domestic laws and regulations and the imperfections of the social credit system also brings the risk management of bank cards a lot of impact. Finally, through the study of advanced bank card risk management, the paper propose a develop idea for the risk management of the bank card business combined with the daily work experience. There are two ideas: Improve the bank's internal risk management system and the strengthening of external risk management. The former contains three factors: internal risk management environment, processes of risk management and technology of risk management.The innovation of this article lies in the good combination of risk management theory,using the relevant practical experience in advanced countries. According to the through analysis about the actual situation in Bank of China, Hunan Branch, propose effective countermeasures on improving the bankcard risk management system and strengthening the external risk management environment. The author wishes that the research achievement can help the improvement of bankcard risk management and the development of the bankcard business for the Bank of China, Hunan Branch.