Study On China’s Commercial Bank Credit Card Risk Prevention

Credit card as a kind of commercial society’s new inventions, for advanced, convenient way of settlement, after decades of development, provides a safe and convenient payment service for cardholders, is closely related to people’s life. At the end of 2013, the commercial banks cumulative issue 4.21 billion cards in China, including credit card as quantity of 390 million copies, inter-bank transactions number and settlement of 15.14 billion and 32.3 trillion yuan. Behind each of these statistics, there are the surge in the number of cardholders, direct consumption of rapid promotion and development of the credit card market in China. however we have a clear see credit card business to the use、operation、supervision、management and supervision mechanism is to establish and improve the system, especially credit card can be effective to suppress all kinds of illegal crime, commercial bank credit card industry benign development, to promote China’s financial reform, and promote China’s economic development, maintain financial market stability plays an important role, is also a serious challenge for Banks.This article selected topic background is in after 30 years of development, describes the development potential of the credit card business development trend today, risks, management, elaborates the current situation and existing problems,. Secondly the credit card industry development situation are summarized, which lead to the credit card business risk classification and risk prevention and control means and goals. In addition, through the prevention and control in the developed countries experience for reference, find the enlightenment to our country commercial bank credit risk control, which leads to the commercial Banks in our country at present the reason for the existence of the risk of credit card market. Finally, through the commercial bank credit card daily risk mechanism establishment and combing the case analysis, put forward ideas of China’s credit card risk control and management measures, the construction of our country commercial bank management strategy.