Study On Credit Card Risk Management Strategy Of China Construction Bank Yunnan Branch

In order to help the Yunnan branch of China construction bank to reduce the risk of credit card perfecting the credit card customers structure,strengthen the competitive power of the Banks in the same industry with the economic downturn environment.Thesis uses a combination of theory and practical method,comparative analysis and other methods to study the causes of risk of Yunnan Branch of China Construction Bank credit risk and its causes,and put forward the corresponding countermeasures.Thus concluded that,first of all,to strengthen the marketing front-end credit card accepted norms,including improving credit control loop system,reduce adverse selection;To strengthen the risk management systems to reduce the risk of default;Second,improve the examination,approval system and evaluation method,improve the credit from trial personnel qualification assessment mechanism and customer systems scoring mechanism to effectively reduce the risk;The third,set up a good card environment and customer communication mechanism,reducing the risk of moral hazard;Finally established way of credit card risk management.