Research On The Risk Management Of The Credit Card In China Commercial Banks

The credit card industry is a whole new industry that because of the chinese reform and opening up policy in the20th century. More than30years, the domestic credit card industry has experienced a process whice is from scratch, since the childhood, from weak to strong, with the reform and opening up developing. Formed at the beginning of the credit card industry in China, decentralized management, extensive management mode of the performance of particular, lead to all kinds of bank does not consider the strength of the strength, credit cards also regardless of the size of the market and their own ability, input of capital and power to the credit card business, Although the credit card industry development mode to a certain extent, is conducive to arouse the enthusiasm of commercial Banks to participate in the domestic credit card industry development, objectively has long been the finance innovation of commercial Banks on the credit card industry development, but also because of the lack of perfect policy specification and unified macro management and guidance, caused many defects in the system, the credit card industry in China resources waste phenomenon is extremely serious, economies of scale cannot be achieved, And therefore restrict the exertion of credit card own characteristic as well as the national credit card industry overall layout and scale development. Through the study of the history of the credit card industry, this paper analyses various factors which restrict the development of the credit card industry in China at present, tries to put forward some solutions to promote the comprehensive development of the credit card industry in our country.In the first part, mainly introduce the development of the credit card industry, and the domestic and foreign research results about the credit card risk management. In the second part, first of all focus on the content, process and characteristics of the credit card industry, secondly introduces the definition, classification and characteristics of the credit card risk. In the third part, about the present situation of our country’s credit card risk management and problems, as well as the causes of these problems, and further expounds the importance of the credit card risk management. The fourth part is mainly about how to carry out the credit card risk management, including simplifying the procedures of credit card, credit card hairpin threshold condition strictly, card issuers strengthening the system of supervision, strengthening technology upgrading and equipment renewal, comprehensively improving the level of credit card industry electronic, information and constructting the social credit system, perfecting the laws and regulations.