Research On Credit Card Risk Control Of Commercial Bank

Credit card is a kind of financial products of commercial banks, was acceptedand loved by the public, because of the guarantee of the bank, the cardholder can beused for shopping, consumption, foreign exchange, cash. Because of its unsecuredcredit and credit granting function so also contains a high risk for it. The risk of creditcard business in credit card issuance and use in, for some reason, the possibility ofcausing the issuers, cardholders and merchants and other expected profits and thesafety of capital loss itself. The rapid development of credit card is the cornerstone ofthe risk management and risk control ability to control. In this paper, through theresearch on the credit card risk control and the basic theory of the credit card riskcategories, from risk management measures of foreign commercial bank credit card,credit card risk management present situation comparative Chinese Bank branch inYunnan Province, to determine the Countermeasures Chinese Bank branch in Yunnanprovince credit card risk control.