Research On Credit Card Risk Management Of Domestic Commercial Banks

Credit card issuing volume increasing Credit Card Cardholder number also continues to grow, consumption in the daily life of the people become very simple and convenient, but with the rapid development of science and technology, credit card legal and regulatory system is not perfect so that criminals and illegal organizations by loopholes, credit card risk have also increased, credit card risk management has been paid more and more attention, its status is also getting higher and higher.Through the study of domestic commercial banks’ risk management, the paper simply understood the risk form and existing problems of domestic commercial banks’ credit card. Through the research of A bank credit card risk management, the paper studied the advantages and existing problems of A bank credit card in risk management, and combined with theoretical knowledge and practical work experience to improve the risk management of A bank credit card.At present, there are more and more serious risks of commercial bank credit card, the legal system of credit card risk management, personal credit information system and credit evaluation mechanism is not perfect, credit card related institutions of the risk of cooperation mechanism is not fully integrated, risk prevention and risk prevention services are relatively weak, high-tech related risk prevention technology lags behind and so on.A bank credit card risk management in the industry in a leading level, perfect the risk management organization structure and the division of labor is clear and detailed, the implementation of the system of risk management, as a result of a bank credit card center audit department of risk prevention is well-established, so to credit card life cycle for the context, focusing on analysis of the credit card risk type and the prevention strategy, and the issuing of risk control.Of course, a bank credit card risk management also exists risk information sharing is not comprehensive, audit ability deficiency and audit staff performance evaluation index is not reasonable etc. problem. To solve these problems combined with practical work experience, the author gives the suggestions for improvement, to set up performance evaluation index. The development of A bank credit card in the future development of risk management, and the Internet Co and insurance companies to achieve the development of non card payments, credit card payments as the main payment model is a turning point in the risk management of credit card, a new level of risk management in the future will gradually be replaced, credit card risk management will enter a new era of high-tech era.