Thoughts On The Countermeasures Of Credit Card Risk Management Of Commercial Banks In China

In the current environment of economic downturn, the competition of commercial banks into the gradually intensified, at the same time, the profitability of banks as the main force of the public business is tight, so that almost all commercial banks personal retail business as a key development projects, the credit card business as the main retail business, both commercial banks and market the brand image of the play, has become an important way to commercial banks to generate income.Credit card business continued to lose ground, changing people's spending habits, and promote the development of social and economic prosperity, but also to promote the social civilization and progress. But the rapid development of the bank credit card business to bring high returns at the same time, the risk of loss is shocking. So, faced with the current economic situation, how can we find out the cause of the risk of a credit card, to propose a solution to resolve risks, improve the competitiveness of China's commercial banks has become an important issue.Firstly, credit card and its basic concepts and business risks of the sort, and theoretical risk of a credit card a scientific classification; and through domestic and foreign literature and analysis of foreign Buyers typical case, summed come forward on the experiences and lessons of such risks; in addition to a combination of the status of the Bank of China branch in two real business problems and exposed, including guarantees and staging company business specific risk points and countermeasures in the risk of a credit card, supplemented under the jurisdiction of a branch of the true false credit card fraud cases happened to prove, how to control the risk of credit card business from the inside of the bank. Finally, from how to build a favorable external environment, such as aspects of a sound legal system and improve the social credit system, we put forward some countermeasures for China's commercial bank credit card risk management.