Province Bad Credit Card Business Risk Management And Countermeasure Research Of The Bank Of China Of Jilin Branch

The bank of China credit card industry into the fast growing period, regardless of the number of hair from credit card, or credit card function, all is changing the advancing with The Times, this also work for credit card risk control and control put forward higher requirements. Credit card is a high-risk, high-yield of banking industry, how to realize the balance between the returns and risk of credit card has become now a lot need to be one of the challenges faced by the commercial Banks. Based on the research and solve the bank of China branch of jilin province in the practical problems faced by credit card business development, tries to find effective strategies and measures to solve problems, not only promoted the development of the bank of China, jilin province branch credit card business, and promote China’s commercial Banks, especially state-owned commercial bank credit risk control and control.Credit card bank management there are a wide range of large number of major problems. Credit card bank investment, for the most points as the hardware facilities such as food credit card. Credit card bank credit card business management system, emphasize on the ownership of the department of credit card of bank of credit card, bank credit card bank management more complex, according to different customer’s personality requirements, bank credit card credit card business management, not only credit card sort is various, and the inside of the type will be different. Credit card of bank of credit card business management system, emphasize the credit card of bank credit card credit card of bank of bank credit card on the ownership of the department, not strictly distinguish between the storage location of credit card business, credit card bank has a lot of a lot of public credit card business are distributed in each position of bank credit card, credit card is more outstanding performance.International credit card Banks to invest in a feature is a huge investment, long payback period. Investment after the formation of a large number of credit card business, credit card business management level will directly affect the credit card of bank investments. Credit card business management should begin from the source registration and management, to establish a management mode of full-time and part-time work together, according to the credit card bank operating cycle and the change of the external economic environment, strengthen the management of credit card business prospective. Detailed credit card business scrap handlers.In the micro level, now has not been formed mainly from information asymmetry, risk control and control concept to explain, in the credit card control system under the condition of building is not sound, the undeveloped credit card risk control and control problem, the corresponding some statistical Angle above there is a serious problem. Bank of China, jilin province branch credit card risk on regulation and there is no sound. Finally, on the bank of China, jilin province branch credit and risk control and control of the objective analysis of the existing problems, the main measures of solving the problem I focused on two aspects: one is focusing on the good jilin the establishment of a regulation of the Banks, on the other hand is in the credit supervision system on top of a defect analysis. In perfecting the credit risk control and control at the same time, I for risk prevention, risk control and control, risk control and control the operation of the specific links such as control of the above have made Suggestions for the development of credit card risk culture, at the same time to speed up the data using a credit card use and control, the following notice good for construction of a research on the culture of credit bank. Phenomenon in current economic bubble serious cases, focusing on the good control of credit users, account monitoring, dynamic control and monitoring control of the risk of credit card; While increasing strengthen economic bubbles under the existence of bad credit card charge, at the same time be perfect for the credit card risk repayment mechanism. On good external macro credit card culture environment construction, I mainly from national macro control mode to put forward to improve the credit card risk related rules and regulations, contribute to the improvement of the credit system and the construction of personal credit card credit, thus under the uncertain economic environment, do a good job in promoting the business of credit card control measures and promote the stable development of financial markets, that is the meaning of the research.