Study On The Government Regulatory In Credit Card Risk Management

There is no doubt that based on China’s basic national conditions, China’s relatively late development of the credit card, the financial order of market economy system still requires the government sector to play a greater degree of financial regulatory functions, especially in the credit card industry. Credit card risk management requires both the bank’s internal risk management and control, and the government needs to play a role in financial supervision, both from the macroeconomic adjustment level or improve laws and regulations, risk management of the credit card industry, government regulators will play an irreplaceable important effect. However, current research on the role of government regulation and the impact of credit card risk is less, thus, included in the advanced foreign experience in risk management on the basis of the new normal for the current economic trends, government regulatory functions from the perspective of to build with Chinese characteristics credit risk management system has a strong practical significance to the promotion of China’s financial ethics environment, building a socialist harmonious society is important.In this paper, the credit card risk management in government regulatory role and impact studies for the paper is divided into six parts: The first part is an introduction, mainly for analysis, research status and research significance against the background of the current government regulation of credit card risk management, ideas and innovations elaborate analysis; the second part is the theoretical basis of the relevant credit card industry and the current status of government regulation analysis; The third part is the development of the credit card industry and risk management from abroad under government supervision, development for foreign credit card industry historical and current situation analysis, followed by analysis of the impact of foreign credit card industry risk regulations on China’s credit card risk management and put forward constructive suggestions; fourth part is the role of government regulation and the impact on the credit card industry and risk management analyzes the credit card The risk of regulatory agencies in the credit system to build links SWOT analysis and positioning for government regulation in the credit card risk management; fifth part regulatory policy recommendations for government credit card industry development and risk management; The sixth part is the conclusion and prospect.