Research On Risk Management Of Credit Card Business Of X Commercial Bank

The current era of market economy, people owning and using credit cards more and more, people are very used to working in a variety of transactions in a convenient, fast bank credit card. According to statistics, by the end of 2013, China has issued a total credit card number over 430 million, with the continued growth of the amount of credit card issuers, credit risk also has been showing a variety of credit card defaults, credit card cash illegal use of credit card fraud and other emerging risk transactions Therefore for banks to improve short-term bank debt management capacity, strengthen risk management and control of credit cards is imminent.X as a typical representative of the state-owned commercial banks, commercial banks, although the number of credit card issuers, and business transactions are on the rise, but it is unclear due to credit card risk identification, risk control measures are not taken in a timely manner, resulting in regulatory loopholes have occurred when, credit risk control difficult to obtain good results. In this paper, to explore X commercial bank credit card risk management through data analysis, case study method and summary method that to achieve effective prevention and control of credit card risk, we need to develop scientific awareness of prevention and control credit card, an accurate understanding of risk prevention control object, to further improve the organizational system of risk management credit card, with a more efficient risk management techniques as the carrier, to achieve effective control of the credit card risk from internal bank, and ultimately increase the Bank’s economic profit.Significance of this study is that by selecting the typical case analysis, credit card application describes the main problems of the current risks for China’s commercial banks to establish credit card risk management and control measures of long-term nature of a certain inspiration. While for the credit card business risk management status X commercial banks, credit card loans made before optimization audits, strengthen the monitoring of credit card loans, credit card loans and solid after collection and strengthen the credit card business, security and other measures to promote X commercial banks to improve their risk management capabilities optimize the banking and financial allocation of resources to achieve business objectives such as maximizing profits have certain practical significance.