Research On The Credit Card Risk Management In The Bank Of China Henan Branch

Along with the continuous development of social economy and the increasing of the degree of market economy in our country, the credit card industry has made rapid development, deeply affecting the lives of our residents, have become the main force of the people's consumption, but also improve profitability of commercial bank profit growth. However, with the increase in the number of commercial banks, the size of the cardholder and the volume of transaction are rapidly expanding, resulting in the risk of credit card business gradually exposed. Bad debts in credit card business continue to increase, increasingly serious crime such as credit card fraud and credit card cash, bring a certain degree of loss to commercial banks. At the same time, the development of information technology and the Internet makes the crime of credit card more subtle, making it difficult for commercial banks to carry out risk prevention. Therefore, how to identify credit risks under the current situation, against credit card crime, reduce the risk of credit card losses have become a major issue for the commercial banks. All commercial banks should strengthen the research on the risk management of credit card business, try to improve their own risk management level, and establish the effective risk management system for the development of their own business.This paper is based on the background, Select Bank of China Henan branch as the research object, combined with the development of its credit card business, from inside and outside the two aspects of the business risk sources, including market risk, credit risk, fraud risk, operational risk, management risk, technology risk, etc; and then through induction and summary, further analysis of the Henan branch of the credit card business in customer access, credit approval, account monitoring, post loan management and other key aspects of the risk management of some of the problems, and pointed out that the main reason for these problems is due to the management concept, system, technology and external environment; finally, combined with the actual situation, the risk management of credit card business in Henan branch of Bank of China should start from the standard business process, optimize the internal control mechanism, improve the external environment, and gives the specific, targeted, practical risk management measures, in order to reduce the risk of credit card business, improve the overall level of risk management, for the Bank of China Henan branch of the stable and healthy development of credit card business.