Study On The Risk Manegement Of Credit Card Business Of Minsheng Bank

Our country commercial bank credit card business has achieved rapid development,most of the commercial banks began to issue credit cards,since entering the 21 st century.There are more than 10 commercial banks made a circulation of more than tens of millions credit cards to 2010.The issue of credit card high speed,so that commercial banks to see the profit space,by 2008,the major commercial bank credit card business gradually began to profit,but also bring a new round of credit card issuance growth.However,the rapid growth of credit card business,but also brought a large credit card risk.As a private joint-stock commercial banks,Minsheng Bank,in the credit card issuance process has a more obvious advantage.2005 began to issue the first credit card,in2006 the establishment of an independent credit card center,2008 credit card issuance of more than 8 million,and to achieve credit card business profitability.To the first half of2015 has been issued nearly 25 million.In order to increase the number of cardholders,Minsheng Bank in the credit card issuance process exists the phenomenon of blind review,in order to increase profits,in the consumer credit card authorization process also exist the phenomenon of lack of verification.All these make people's livelihood bank credit card business risk increased.In our country,the commercial bank credit card business development is late,but the credit card risk management consciousness,the idea and the technology are not mature enough,can't adapt to the high speed development of credit card business.This takes a certain extent for the commercial banks to lay a risk,and also affect the development of credit card business.This study is on the development process and the status quo of the credit card to understand and analyze the domestic commercial bank credit card business risk management deficiencies and shortcomings.We used Logistic credit evaluation model to analyze the risk of some users of the Minsheng Bank credit card.Then to the people's livelihood bank credit card risk management misunderstanding,put forward the corresponding countermeasures,give the people's livelihood bank in credit card riskmanagement needs to carry on the structure adjustment and the method improvement suggestion.Based on the theoretical research,the method of case analysis is provided to provide theoretical basis for the credit card risk management model of commercial banks in China.