Research On The Supervision Of L Central Branch On Commercial Bank’s Credit Card Business

In recent years, credit card is becoming an important means of payment with the convenience and flexibility. However, the credit card industry’s healthy development is inseparable from regulatory supervision and risk prevention. At present, China’s regulators have put the credit card business into important regulatory scope. However, China’s regulatory policy still has many deficiencies compared with developed countries. Therefore, this article is intended to analyze the problems that our current regulatory supervision on commercial bank credit card business. Then it put forward some feasible measures to resolve regulatory issues through analyzing the regulatory authorities’on-site inspection on commercial bank credit card business.This paper firstly introduces the purpose and significance, research status at home and abroad, then introduces research methods and overall structure. Then, first, it introduces L bank’s supervision duty and regulatory status on the credit card business of commercial banks, including the basic situation of L bank and the key regulatory business of L bank; the case of commercial banks’credit card business; the regulatory basis and specific regulatory elements of L bank on commercial banks’ credit card. Second, it introduces the regulatory status, including regulatory personnel, regulatory approaches and regulatory procedures. Third, according to the business process, it points out some problems including "lost of preventive measure", "lost of monitor regulation", and "lost of effectively deal with ", and analyzes the reasons for problems, including external factors, internal reasons which come from commercial banks and consumers. Fourth, it put forward some regulatory measures for L bank to solve problems, including improving the legal system and regulatory approach to commercial banks, good consumer protection and other measures.