Risk Identification And Control Of Chinese Commercial Bank Credit Card

As credit card companies and residents of short-term loans of major financial tool has been popular at home and abroad. In recent years, China’s commercial banks from credit card issuance volume year by year to hold a valid speed increase, the current issue credit cards have become an important growth point of commercial bank profits, business development characteristics compared to foreign credit cards, credit card issuers are very status quo typically, through personal research and practical experience summed up the following points:First, commercial banks in order to seize a large number of customer resources issue credit cards, credit cards issued increased year by year, the credit card revenue and default rates also will increase, increasing the amount of credit card holders per capita; second, related to our credit card system is imperfect, mainly at the time of the audit review the content of personal credit information is not comprehensive, personal information management and maintenance of customer information is not timely, the approval process credit card limit is not enough rigorous credit risk; and third, risk monitoring process credit card loopholes, resulting in a large number of domestic external card risk is not timely identified as arising from operational risks; fourth, because our customers’ view of consumption and foreign different, most of the use of credit cards is passive, so that our credit card business to bring high profits for commercial banks obstacles.Foreign owned bank branches in foreign countries is not much, and foreign commercial banks in China can apply for a credit card-related business very few, so overseas holders of commercial bank credit card exist at higher risk. The causes of the risk of credit card risk is mainly reflected in the risk management techniques behind credit assessment system is not perfect, the card issuer management system is imperfect, credit card marketing personnel management issues and related laws and regulations are incomplete. Currently credit card has become an important way of life in consumer payments, and credit card misuse, card technical and commercial bank credit card management and other issues led to a credit card the risk in the distribution and use of the process, so our credit cards in issuance and management with advanced theory and risk recognition model overseas credit risk analysis and applied, in order to protect our credit card business is a good development, to adapt to economic policy and economic development of the country.Based on the current status of credit analysis, literature analysis, theory with reference to famous scholars raised, contemporary credit risk and operational risk identification model to analyze the characteristics and causes of the risk of commercial bank credit card risk. According to ICBC credit card and operation procedures, analysis of the current credit card issuers, business operations and customer care issues. Article by choosing the "New Basel Agreement" internal credit risk identification and evaluation of operational risk identification Basic Indicator Approach, combined with the 2012 Annual Report to the 2014 data to calculate a commercial bank credit card related data and analysis bank ICBC capital allocation. And analyze and apply internal control ICBC risk identification program.Chapter V article include two commercial bank risk cases. Among them, the case is mainly due to a risk monitoring process and risk scoring model to identify and select the problems resulting from fraudulent credit card batch of cases, the typical credit card operational risk cases. Case II to issue a credit card credit card product design and related systems has led to a credit card revolving loan defaults, the credit risk for the typical credit card case. Through two typical cases occurs during calculations and data analysis, summarized the case in point the risks and make recommendations for risk control cases. At the same article of the commercial bank credit card issuers optimization, risk identification and risk control plays an important role. Incorporated in Chapter VI development characteristics of credit cards, the root causes of the current risk and performance risk with case risk points put forward the views of the relevant credit card risk control. Make recommendations for a comprehensive risk control and management of commercial bank credit card business to adapt to national macroeconomic regulation and control and economic development has practical significance.In this paper, the latest research data by extracting credit card summary card issuer status and release characteristics through field investigation and root cause analysis of operational processes credit card credit card risk. Summary document issued abroad by reading experience credit card, credit card risk identification methods and select the system summary risk identification model example and applied to the credit card risk management. Commercial banks in the credit card approval, distribution, provide a reliable theoretical basis for risk monitoring and customer maintenance, etc., and effectively avoid future credit card risk control research play an important role.