The Establishment Of Credit Cardholders Risk Evaluation System For ABC Bank In Wenzhou

Credit card business has always been the core business of consumer finance sector in commercial banks,and also the important breakthrough for achieving optimal adjustment of industrial structure.For a long time,the number of credit card and overdraft limit have been the important indicators for credit card business evaluation in commercial banks.But there're potential risks generated by credit card because of the decentralized management,disorderly competition since the year of 2009,commercial banks' credit card nonperforming loan risks is growing rapidly,the backward credit risk management tools become a major factor restricting credit card business development healthy and orderly.Currently,commercial banks have basically establish good credit risk management system and credit card collection system,but have little research on the risk of how the credit card holders manage their credit card.This is far from being establish a systematic risk assessment and risk warning mechanism,which also largely affect the overall control of the credit card risk.Therefore,the paper analyzes the Wenzhou branch of ABC bank.Based on literature analysis in conjunction with the commercial bank credit risk evaluation indicators,the paper initially establishes a credit cardholders risk assessment index.Secondly,by interviewing,the paper corrects the risk assessment index for the first time.Then,to ensure the scientificalness,I interview credit card risk management experts and reestablish this risk assessment index.Based on this,the paper uses Analytic Hierarchy Process(AHP)to build a hierarchical model to establish the architecture of risk assessment.In addition,the paper establish the appropriate rating standards according to the existing standard of ABC Bank,credit evaluation standards of People's Bank,as well as the credit card approval standards of other commercial banks.Finally,the paper uses existing risk cardholder data from Wenzhou Branch of ABC Bank to test this risk assessment index.The evaluation system is not only an effective support for the ABC Bank credit card after loan risk control,but also provides a reference for other commercial banks.