Research On Risk Management Of Credit Card Business In Chuzhou Branch Of Agricultural Bank Of China

This years, with the development of the integration of the world economy, economic globalization and the quick development of Chinese economy, the continuously improvement of people’s life, the consumption view of the majority of Chinese people have also changed. Pre-consumption have been a new consumption view. At the same time, a huge mount of foreign capital came into our finance markets, more and more foreign banks have established affiliated agencies in most big cities in China, the credit cards have been popularized in our country, more and more people begin to pay the bills and settle accounts with credit cards, you can see them everywhere in stores, supermarkets and so on. A period of time in the future will be China’s credit card industry rise period.First, The national economic work meeting the requirements of expanding domestic demand, Especially to improve the residents’ consumption and stimulate domestic demand. This will undoubtedly promote the development of the credit card business; Next,China’s economic development to the good, The per capita GDP is close to $2000,residents per capital income constantly rising, people’s consumption concept is also changing,these all provide fertile soil to the development of credit card business.Thus,the prospects of Credit card business is very broad.However with the widely use of credit cards,it not only brings the convenience to the huge amount consumers, but also brings the risk of hidden dangers. The use of false information to apply for a credit card, overdrafting in the process of using malicious, Credit card cash, lead to the inability to repay, Not only to the credit card holders to bring their own credit risk, at the same time, also to the issuing bank brings management risk, increasing the bad loans of commercial banks, reducing the profits of commercial banks, therefore, it is significant to study on credit card risk management.In this paper, the Agricultural Bank of China Chuzhou branch as an example, by the way of the combination of case study and empirical research method, discussing how to manage the risk of a series of measures.first,analyzing the common credit card risk, and the behaviors of credit card crime. Second, introducing the credit card risk management theory, mainly for the main management thoughts of COSO, from two aspects of qualitative and quantitative analyses foreign countries management according to some measure of credit card risk. Third, combined with Two specific business, Personal consumption credit card and Credit card installment on buying cars of Agricultural Bank of China Chuzhou branch, also Combined with the two small cases, Personal consumption credit card malicious overdraft due to crime and Credit the truck off the loan for the lawsuit, Finding the problems and loopholes of Chuzhou branch of the Agricultural Bank in the credit card risk management. The last, Aiming at the existing problems of Agricultural Bank of China Chuzhou branch, And learn from foreign experience, Putting forward a few suggestions of the credit card cash on banking supervision and needing to pay attention to the local territorial on doing a good job in the credit card collection work,giving my own thoughts.