Research Of Improvement Strategy On The Credit Card Risk Management Of China Construction Bank H Branch

In recent years, the domestic credit market continues to expand, commercial bank credit card business is booming, the risk of credit card also facing increasingly complex, diverse, credit risk management is facing many new problems and challenges, credit risk management strategy should also be evolved to adapt to the risks management needs.Taking Credit Risk Management Branch of China Construction Bank H for example, the first of the current status of CCB H branch of the credit card business development and management analysis and study, pointed out that the main problems which currently exist; followed by two factors from the external environment and internal control factors, the cause of problems in the credit card risk management branch of CCB H analyze; then comparatively detailing the experiences and lessons of the United States, Australia, South Korea, Taiwan and other countries and regions in the credit card business, branch of CCB H how do credit card further risk management has brought some inspiration;Finally, China Construction Bank H Branch Credit risk management improvement construction strategy, the paper analyzed and summarized based on the previous proposed suitable CCB H Branch improvement credit card risk management strategies ideas, that is, from improving internal management, improve the external environment, improve the quality of three aspects to build.