Research On Bank Card Risk Prevention Strategy Of QuanZhou Region

Benefited from the steady development of the economy and the innovation of new technology of modern pay in China, in recent years, the bank card industry maintained a rapid development momentum, the issuing scale expands unceasingly, the card acceptance environment improves gradually, make the bank card business increasingly permeate almost every field closely related to the social public. However, while the bank card market continues to expand, the number of market participation main body increases constantly and industry applications thorough gradually in our country, the bank card risk has been revealed. Bank card crimes is increasing, criminal means to high-tech, specialization, group development,the banks and the cardholder’s fund security are threaten, if the risk problems have poor control, the cumulative risk will threaten the long-term development of bank cards. Therefore, a research of bank risk prevention is necessary, an analysis to the current status of the bank card risk prevention and shortcomings will has both practical significance and theoretical significance to the healthy and stable development of bank card industry in China.This paper begins with the development of bank cards in Quan Zhou,and then by combining the reality of my actual work, it analyses the risk of bank card of Quan Zhou. Finally from the point of the PBC and its supervision, it probes into the actuality and deficiency of current bank card risk prevention measures in Quan Zhou, and put forward to perfect the bank card risk prevention recommendations through referencing the experience and lessons of the United States and South Korea in bank card risk prevention. That has a great theoretical significance and practical significance to promote the healthy development of China’s bank card industry and the maintaining of the normal financial order stability.