Study On Credit Risk Management Of Credit Cards Of A Bank Daqing Branch

In today’s market economy is so advanced today, credit cards has become an important consumer of means of payment, credit cards has the advantages of flexible and convenient use,the majority of consumers, at the same time as the credit cards outstanding profitability, credit card business is also affected by the bank’s favor. In the western developed countries, the development of credit cards business has hundreds of years of history, after decades of development, the credit cards business has been strong and the popularization in the world, its profits have become an important source of income of the bank. The credit cards business in China compared with developed countries started late, but after 20 years of development, the credit cards business also achieved rapid development like in China, the credit cards number performance soared, the rapid expansion of the scale, with the development of credit cards business, the credit risk problem has become increasingly prominent, presenting in China each year due to the loss of credit cards risk increase, credit cards risk management has been highly concerned, the bank and other relevant departments so that credit card research is important to the sustainable development of health risk management of credit cards business in China. This paper mainly from the five parts of the credit cards of Daqing branch of A bank credit risk management are discussed, the main research framework: the first chapter is the introduction, from the background, purpose and significance, the two aspects of domestic and foreign research status quo and development trend of combing literatures of the efforts of Gou Jianwen chapter; the second chapter, from the credit cards the related concepts of credit risk management with analysis on the credit cards risk management concepts, characteristics,types, and analyzing the credit risk causes, further establish the theoretical foundation of the paper; the third chapter carries on the proof from the credit cards of Daqing branch of A bank credit risk problems and causes management, from the actual situation, analyzes the status quo of credit risk management of credit cards of Daqing branch of A bank, Daqing branch of A bank credit cards business risk management problems, and further summarizes the reasons related problems. The fourth chapter, from the domestic and foreign credit cards risk management case analysis, analyzes related cases American, Hongkong, South Korea’s credit cards risk management, the author from various countries(regions) credit cards crisis events hasimplications, with management system for the practical effective letter, scientific supervision,and government solution to adjust the positioning, strengthen consumer education and protection etc.. The fifth chapter, according to the analysis of the above four chapters, finally puts forward the countermeasures and suggestions of risk management of credit cards of Daqing branch of A bank. For which the author thinks that the construction of risk control system of credit cards of Daqing branch of A bank, the establishment of credit risk control system, improve the internal control business of A bank Daqing branch, is the main focus of management.