The Credit Card Rist Analysis Of China

Credit card of China was born in1985,with the continuous development of our economy and society, the credit card business has been integrated into the Chinese residents’ daily life. Credit card is a new payment instrument that its essence is the cycle of consumer credit, in just a few decades, the rapid development of credit card has changed the way that China’s consumption of payment and the behavior of China’s consumption, it brought a sea change for the life of residents, but the credit market in our country is still at the primary stage of development, due to inadequate internal and external environment, credit card not only brings convenience to people’s life, but also brings potential risks that they can’t see. From credit card application, mail, obtain, use to credit card regulation, risks everywhere. How to effectively prevent risks brought by credit card business, has become the problem that people concern increasingly.In this paper, a number of questions about the risks of credit card business I found in the Gaoxin branch of Bank of Communications as a starting point, lead to the risk of credit card business and the problem of credit card business risk management in our country, and then put forward some superficial suggestion. The full text of this article is divided into six chapters, firstly this paper introduces the research background, research significance, research content and research ideas; secondly introduces the literature review of credit card business and its risk management, and then analyzes the risk of credit card business from five perspectives——game, information vulnerable, economic cycle, expected income and asymmetric information; then introduces the related content of credit card business risk and its management; followed introduces risk status and risk management situation of credit card business in our country; then make relevant recommendations on China’s credit card business risk management by analyzing the risk management of credit card; finally summarized this paper which is finished by my practice in the Gaoxin branch of Bank of Communications, and then presents some prospects for the development of Chinese credit card business.