Research About The Risk Management Of Credit Card In Agricultural Bank Of China Zhuzhou Branch

Credit card, a modern and global monetary form, gets rapid development by its outstanding profit ability, the unique advantages of getting customer information,quality customers Competition quality customer since it birth. In 1986,with the birth of the first credit card in our country under the continuous development of our economy and society, the credit card business has been integrated into the Chinese residents’ daily life. Credit card, as a new kind of payment tool, the rapid development of it profoundly change the payment and behavior of the consumer in our country, as well as people’s life. By the end of 2013, the hairpin quantity of national credit card is 391 million copies.With the further development of the credit card business,intentional fraud of credit card risk is becoming more and more frequent,such as credit default, credit card cash out,So it is very necessary to control the credit card risk management. In view of this,the credit card business risk control come into commercial bank of our country,academics and regulators. Therefore,to research and analyze the present situation of credit card risk management and strategy choice about agricultural bank of china Zhuzhou branch,not only has theoretical and practical significance to the development of the credit card business about agricultural bank of China,but also has important practical significance to promote the credit card risk management of China’s commercial Banks,especially state-owned commercial bank.This article discuss credit card risk management issues of agricultural bank of china Zhuzhou branch by using the method of combining theory and practice,practical situation research and questionnaire investigation.This paper analyze credit card risk management issues of agricultural bank of china Zhuzhou branch by applying the idea of risk control and the method,practical situation research and combining the opinions of the expert, on the basis of the study of credit card risk control theory and practices of domestic and foreign.It put forward some Suggestions for improvement through on-the-spot of credit card risk management in agricultural bank of china Zhuzhou branch. This article is divided into six chapters. The first introduces the concept and related theory of credit card risk management, analyzing the credit card risk theory and the related background from the point of view of macro and micro. And then it analyzes the present situation and problems of credit card risk management agricultural bank of china Zhuzhou branch. Many questions in agricultural bank of china Zhuzhou branch are Pointed out: hairpin quantity, light quality; Credit audit loophole; Installment business risk serious; Collection work become a mere formality; Bad loans after verification but high cost. Finally, the author put forward some useful Suggestions to further strengthen and perfect the strategy choice of credit card risk management from five aspects including Credit card, credit, installment business, collection, cancel after verification, as well as giving some evaluations.