The Research On Risk Management Of Bank Of China Hunan Branch Of Credit Cards

In the 21 st century,social and economic environment,the business environment gradually mature credit card,bank card industry in China in the course of conducting the service,closely around the market demand,continue to improve the product line,to enrich product features,a good achieved rapid development.With the size of the cardholder,trading volume and other rapid expansion,the continued exposure to the early stages of extensive business model resulting from potential risks,highlighting the increasingly serious problem of credit card security.This article is based on this background,from the theory and practice of combining the angle,the Bank of China Hunan Branch as the res earch object,the integrated use of comparative analysis,discusses the Bank of China Credit Card Risk Management qualitative analysis and quantitative analysis.First introduced the credit card risk meaning,features and major categories,from the perspec tive of macro and micro-depth analysis of the theoretical basis and the risk of credit card for background,then analyzes the situation Credit Card Risk Management Bank of China branch in Hunan Province,and in combination with other advanced countries,co mmercial bank credit card the successful experience of risk management for the Bank of China Credit Card risk management problems are analyzed in detail;again,Bank of China Hunan branch of credit card risk factor identification and risk assessment,based on risk management ideas of the whole process,in risk prevention in the previous stage,in the matter aspects of risk management and risk control stage post stage like Bank of China Hunan branch of credit card risk management to optimize the design,and to further strengthen and improve the credit card risk management strategy put forward some useful suggestions.Finally,the organization and management systems,techniques,quality of personnel proposed safeguards risk management and establish a sound credit risk management information system.Hope this research paper provides a reference to the Bank of China branch in Hunan Province to prevent and defuse the risk of credit card,credit card improve risk management,enhance core competitiveness.Meanwhile,other commercial banks,especially state-owned commercial banks to prevent and defuse the risk of credit card play a valuable role.