Research On The Credit Card Business Risk Management Of Bank Of Ningbo

The credit card business has already entered a stage of development in our country. Since2003,the growth of credit card is explosive. Major banks in order to capture the credit card market share,to take radical issuing mode and even some small banks started developing the credit card business with poor risk management. With the issuing volume increase, the bank’s default rate is rising sharply, the credit risk constant exposure. Therefore,risk management is the most important in credit card business. In order to ensure the healthy development of credit card business, effectively control risk is the most crucial factor. The practice of development of credit card business in developed countries,risk management throughout all of credit card business links. So, how to establish an effective risk management system is the most urgent task for China commercial bank.The Bank of Ningbo started credit card business in2003. After several years of development, credit card market share and brand awareness have been upgrading. The Bank of Ningbo as a small bank,the credit card risk management is weaker than some big banks. The risk management of Bank of Ningbo is still at the primary stage and risk management level can not meet the needs of the rapid development of credit card business. This paper will introduce development history, present situation and all stages of risk management measures for Bank of Ningbo. Through two typical case to conduct in-depth analysis, find out the problems existing in the risk management. Finally, according to the Bank of Ningbo in the credit card risk management problems, proposes the practical and feasible risk management measures.