Harbin CGB Research Of Credit Of Card Business Risk Control

Since the reform and opening policy, major foreign banks have conducted business transformation strategy adjustment, as an important process of the credit card business; risk control has become one of the key points of the business development. Since China’s accession to WTO, credit card business of domestic commercial banks began to grow rapidly. However, compared with developed countries, Chinese commercial bank credit card business is currently still in its infancy, and risk control is still very immature. The development of credit card business is of great significance, especially at the current stage of China’s economic development, focus on the development of credit card business can not only improve people’s living standards, the quality of life, but also to boost consumption and expand domestic demands and support the continued rapid development of the national economy and to adjust the structure of commercial bank assets, improve asset quality. Credit card business risk is the possibility of causing losses of the financial security of anticipated issuers, cardholders and merchants for some reasons. The cornerstone of the rapid development of credit card is the ability of risk management and risk control.However, since credit card business is for individuals, business volume but single small-scale, difficult to track the use of funds, monitoring and management of higher input costs, coupled with no collateral or non- standard collateral, it makes the risk management of credit card use more complex, high operating costing and it demands a high capacity of risk control for commercial banks.Based on the basic theory of credit card risk control and the research of types of credit card risk, learning from foreign commercial bank credit card risk management measures, and for the status of the credit card risk of China Guangfa Bank Harbin Branch, it determines the credit card business risk control measures. This paper analyzes credit card business legal system risk, the cardholder credit risk, fraud risk, management philosophy risk, management system risk and management tool risk, summed up the characteristics of the risks in order to protect from them. Therefore, strengthening the research of credit card risk management has an important practical significance for exploring a suitable Chinese credit risk management system and maintaining the healthy and sustainable development of credit card business of all domestic banks.This paper is divided into four parts; the first part, significance and the theoretical basis of this paper, the second part analyzes the current situation and problems of the credit card risk of China Guangfa Bank Harbin Branch, the third part presents the credit card risk management improvement program of CGB Harbin Branch, and the fourth part proposes concrete measures to establish the cardholder “Comprehensive Credit” management mechanism to build trading early warning information platform to improve risk management of credit card.