Research About The Agricultural Bank Of China Credit Card Risk Management

In recent years,along with the economic globalization and rapid development of our country,the financial market of globalization is unstoppable,and impact of foreign capital into the domestic financial market has become a fact,China's credit card market development later,has huge market potential,the credit card business geometric growth,a growing share of the credit card market,each big commercial bank credit card consumption has become a trend,the market competition heats up.In western developed countries,the credit card had more than one hundred years of development,but for China,it is still a kind of new financial business,credit card business characteristics,belong to high risk high return.As more and more people to accept the credit card business,commercial Banks in the extension of credit card business at the same time should strengthen the credit risk management and control,for our country credit card users to provide a stable and secure environment by credit card,it is significant for the credit card users.In recent years the rapid development of the agricultural bank has met the other commercial Banks to the same question,how to balance the benefits and risks of credit card,bank card business spending and credit are at the top,but the credit risk is also high,and rising bad loans and bad debts.Therefore,through research and analysis of credit risk management mechanism,control the risk of bank credit card business,in promoting the healthy development of the agricultural bank credit cards at the same time also to other commercial Banks to provide credit card risk management reference value.In this paper,on the basis of commercial bank credit risk management theory,reference and draw lessons from international Banks on the credit card business risk research concept,combined with the maturing of the risk management practices at home and abroad,adopts the method of combining case analysis and management theory,to solve the problem of the agricultural bank credit card risk management.for example YC branch,to point with surface,in-depth analysis of the agricultural bank credit card risk management in the present situation and existing problems,and put forward in view of the agricultural bank credit card risk management from several aspects of the specific solution and method,in order to promote the agricultural bank of healthy and stable development.