The Study Of Credit Card Business Risk Factors In The Internet Financial Times

With the deepening of economic reform in China,people's material and cultural life level has been improved largely,in this background,the domestic credit card business also ushered in the new development opportunity.But risk and opportunity always inseparable,the risk of credit card business is facing severe challenges,gradually show the new characteristics and new trends,and more and more attention,and the reasons for all this is that the Internet financial changes with each passing day and a variety of means of payment.Generally speaking,the credit card risk mainly has three categories are respectively,security risk,fraud risk and risk.A bank is A commercial bank with A long history in China,the capital's strength is very strong,and in terms of the credit card business is always plays an important role."Specialization",in order to ensure that credit card business has also set up A bank credit card center,formed A credit card operation management team,A separate fully responsible for the development of credit card products,marketing,maintenance,promotion,etc,but in the aspect of risk aversion and the prevention and control work remains to be further improved.Based on this,with A bank as an example,this paper analyzed,in the era of the Internet financial risks facing a bank credit card and the influencing factors.Through the analysis found that the third party payment and supervision system is the main influence factors of various kinds of risks.In addition,each kind of risk and their influencing factors.The purpose of this paper is to be able to determine the key link to prevent commercial Banks credit card business,put forward the new era of financial credit risk prevention and control countermeasures and measures to enable A bank to focus on deployment of risk prevention and control work,and timely change management pattern,strengthen product innovation and channel integration,so as to enhance the use of the credit card user satisfaction,steadily improve the credit card penetration in the retail industry.The author hope this article can really go deep into the credit card business risk prevention work,through the theory to guide practice work,and in the process of practice to deepen the cognition theory,fill the blank of the related academic.