Construction Of Bank Credit Risk Prevention Credit Integration System

With the development of electronic finance, has become second only to cashbank card second payment instruments. But, in the bank card brings convenience topeople’s life, is also facing a lot of risks.Firstly, the bank card business of commercial bank and the bank card risktheoretical research; secondly, analyzing and summarizing the development status ofbank card in Yunnan Province, Yunnan province is revealed the bank card businessrisk prevention problems and may face the risk of loss; then, taking Yunnan Provinceas an example of C silver, with examples, in-depth mining risk the problems faced inthe practical business of C bank in the process of development, explore thecountermeasures and suggestions to improve the C bank risks in the bank cardbusiness development process; finally, combined with the C risk profile of the bankcredit, put forward basic path integral system planning from the business point ofview.Through this study, to use the advanced technology and the successfulexperience of domestic and foreign bank card risk prevention, through using the scorecard, with the main risk points to determine the business analysis, has been basicallyestablished the basic framework and the beginning of bank card industry to preventcredit risk system service function, as our auxiliary means of bank card in the processof business prevention and other business development platform.