Research On The Credit Card Risk Management In The Agricultural Bank Of China Anhui Branch

In recent years, with the formation of sustained and rapid development of China’s economy and global economic integration, financial globalization trend, foreign investment poured into the country’s financial market, highlights China’s credit card market has potential for development, the development of more intense desire. The credit card business in China is the rapid development of all commercial banks issuing volume, spending a substantial increase in an increasingly competitive market. The credit card business in the West have been more than100years of development history, but in our country is still just an emerging type of financial business. Compared with the very mature financial markets, the financial system is maturing Western countries, China’s credit card business is still only in its infancy "staking", although the rapid growth in the number of rules and regulations do not quite sound business experience relative lack of plaque quality can not be security, extensive business model in general, credit card risk agglomeration. The existence of these problems, not only seriously affect and restrict the development of China’s commercial banks credit card business, and a direct threat to the normal operation of the system of the order of the country’s financial security and financial security, but also caused the financial institutions of our country in the international market and the financial sector competition in a very inferior position.To promote the healthy development of emerging industries of the credit card banks, commercial banks must face single policy risks in the operation and management of credit, market, operational and liquidity risk staggered complex situation changes. The bank’s risk management and control force its profitability and sustainable development, its core competitiveness. Therefore, regardless of the external regulatory requirements also inherent need to establish the concept of risk management and control, enhance the level of risk management is a serious problem of China’s commercial banks. In recent years, the rapid development of the Agricultural Bank of Chian Anhui Branch credit card business, the bank card business spending in2012, the scale of credit and credit ranking first in the province with the industry level, but the credit card business risk in multiple, high incidence of suspected risk cases, risk The amount of high-level balance of non-performing loan ratio increased year by year, which indicates that its risk management is still in the exploratory stage, the lack of systematic effective overall mechanism covers the the macro external economic environment and the internal risk management control, risk control management needs to be improved. So the research credit risk management has profound practical significance to promote the banking business innovation, and promote risk management framework, to maintain sustained, stable and healthy development of Agricultural Bank of China credit card business.Commercial bank risk management theory, risk of mature experience and practices draw on the credit card business at home and abroad, the use of case studies and normative research method of combining, the risks faced by the credit card business in different fields, projects and business processes, classification, identification and analysis, and recommendations for specific solutions to ideas and targeted. The full text is divided into five chapters, the first chapter introduces the research background, purpose and ideas. The second chapter the basic concepts of the credit card business, as well as a basic overview of the credit card market at home and abroad. Analysis of the credit card business and risk status quo, sum up experience and lessons learned, and provide a reference for the idea of the Agricultural Bank of Chian Anhui Branch. Analysis to assess the risk profile of the credit card business facing the development of the advantages and disadvantages of the credit card business development, analysis of the causes of the Agricultural Bank of China Credit Card Risk. Specified in chapter IV of the implementation of the Anhui Branch card risk management strategies and measures. The fifth chapter summarizes the views expressed in this paper, and related research prospects.The features and innovations of credit card practices risk research is more comprehensive and systematic, comprehensive attempt to build commercial bank credit card business risk control mechanism and breakthroughs, credit risk management and control of the domestic commercial banks have a certain significance. The Agricultural Bank of Chian Anhui Branch credit card business is in rapid expansion of the development process, the ability to effectively identify and respond to risk, the ability to effectively manage and control risks, success in attaining the transformation of business strategy, bigger and stronger so far away key. Banks in terms of their own development, improve the ability to resist risks, but also has a very important role.