Research On Credit Risk Management Of Commercial Bank Credit Card

With the continuously and deeply development of China’s credit card business, some commercial banks began to gradually improve the management consciousness of credit risking, and perfecting the management of credit card business, in order to improve ability of controlling the credit’s risk. However, the control level of our country commercial bank credit card business risking is at the lower stage, it is difficult to play their effectiveness.Therefore, it is of important theoretical and practical significance to carry out a research into the credit risk management for the innovation of credit card business, keep the sustainable and stable development of the credit card industry.In this paper, the content in the first chapter, mainly introduces the research background and significance, domestic and foreign research review, research ideas, research methods and framework, with reasonable introduction of research topics, and need a good groundwork for the full text writing. In the second chapter content, focus on analysis of concept and characteristics of credit card risk management, to define the object of study; And the related credit card risk management theory in detail and comment, lay a good theoretical basis for the article. The third chapter, mainly for the credit card risk management theory more mature of the successful experience of the United States, Japan, Australia and other countries in-depth summary, discusses its significance, so as to provide reference for our country’s credit card risk management experience. The fourth chapter, mainly about the present situation of our country commercial bank credit risk management has carried on the comprehensive survey, to evaluate objectively the overall level of credit card risk management in our country. At the same time, in order to be more objective specific understanding of the present situation of risk management, based on the bank of China Chongqing branch, a detailed analysis of credit card risk management as an example, analyzes its main existing risk consciousness, insufficient staff quantity and quality, imperfect management system and risk management lags behind. The fifth chapter is the main content for the objective evaluation of the risk of credit card of bank of bank of China, Chongqing, the author run credit risk index system and the Logistic regression model, in order to get the relevant data information, help to enhance the level of credit card risk management. In the sixth chapter, the author according to the bank of China Chongqing branch of the main problems existing in the credit card management and combining the credit risk with credit card on the risk evaluation index system and the Logistic regression model, puts forward to set up correct concept of risk management in order to enhance management consciousness, establishing a sound system of form a complete set of credit card risk management, improve the level of risk management techniques to achieve specific proposals, such as risk to the timely and effective treatment. Last chapter, the research conclusion and the innovation of this article summarizes, and pointed out in this paper, the research direction in the future.