Credit Card Risk Management For Agricultural Bank Of Suzhou Branch

In recent years, with the formation of sustained and rapid development of China’s economy and global economic integration and financial globalization trend, 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. Compared with the very mature financial markets, 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 cannot be security,extensive business model in general, credit card risk agglomeration. The existence of these problems, seriously affect and restrict the development of China’s commercial banks credit card business.In recent years, the rapid development of the Agricultural Bank of Suzhou Branch credit card business, but the credit card business risk in multiple, high incidence of suspected risk cases, 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 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.Based on 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 foil text is divided into six chapters. The first chapter introduces the research background, purpose and ideas. The second chapter elaborates the basic theories of the credit card business, as well as a basic overview of the credit card market at home and abroad. The chapter three describes the current development of credit risk management and credit status quo. The chapter four combined with practical experience of the author, analyses the risk management in credit card Suzhou ABC. The fifth chapter describes the advanced experience of foreign credit card risk management. The chapter six, combined with the above analysis, makes corresponding suggestions for Suzhou ABC credit card risk management, to better guard against credit card risk and improve profitability...