Research On The Risk Of Agricultural Bank Y Provincial Branch Credit Card Application Process

Credit card in information age, as a convenient and rapid means of payment, has beendeveloped rapidly. At the end of2012, the total issuance volume of credit card is over430million in China. This is one of the basic attributes that risks of credit card issuinginstitutions engaged in the business and financial activities such as risk monitoring andrisk management for all business. Risk management activities are all related to creditcard companies are engaged in the core content. In particular, as to induce the furtherdevelopment of credit card business and the financial crisis, credit default, credit cardcashing, credit card fraud and intentional risk has become increasingly frequent.Therefore, control of credit card risk management is particularly necessary.Y provincial branch of the Agricultural Bank developed credit card business, byprofessional management and intensive operations. The credit card business has beenrapid developed. but in the process credit risk monitoring and credit card businessdevelopment scale, the risk management is still far from reaching maturity. Credit riskmonitoring and management is still a tradition patterns and the initial stage, there aremany problems in the credit card risk management. In this paper, the literature analysis,combined with theory and other practical methods to analyze research Hunan Branch ofChina Construction Bank Credit Risk Monitoring Management Problems and Solutions,risk monitoring and management to achieve the proposed objectives, changes inbusiness philosophy must be taken to determine the specific risk monitoring andmanagement goal, relying on advanced risk monitoring technology, using a series ofmeasures to strengthen internal control, thereby ensuring risk monitoring and operatingprofit maximization goals.This paper consists of five chapters. The first chapter introduced the background andpurpose and significance of risk management for credit card as well as literature reviewand the article structure, research methods. The second chapter introduced the theory ofcredit card risk analysis, detailed analysis of the credit card business in both asymmetricinformation and agency theory, the theoretical basis for the text analysis. The thirdchapter is to introduce the provincial branch of the Agricultural Bank of Credit RiskManagement. Realistic study in Y provincial branch provides evidence for the reality ofthe problem and the reasons below, as well as analysis countermeasures. The fourth chapter analyzes the Y provincial branch of the Agricultural Bank Credit riskmanagement problems and their causes. Chapter V presents the Y provincial branch ofthe Agricultural Bank to improve credit card risk management countermeasures.Chapter VI concluded the full text of the conclusions and provided outlook for futuredevelopment.