Research On Risk Management Of Credit Card Business Of Commercial Bank

In recent years,in the economic development of the new normal,China's credit card market has the potential to highlight the development of the commercial bank card,credit card consumption amount increased significantly.Although China's credit card business has made great progress,but compared to the financial market is relatively mature in western developed countries still somewhat immature,the financial system has many inappropriate.Objectively speaking,China's credit card business has just started,although the number is increasing,but the corresponding policies and regulations are not perfect,and the lack of experience in this area,the extensive operation is still used,credit card fund-raising risk.If these problems can not be solved,then it is not only the credit card business of our country's commercial banks can not continue to develop,but also directly affect the financial security of our country.Therefore,whether it is from the micro or macro perspective,we should find out as soon as possible to improve the management level of credit card business risk.This reference to some theories about the risk management of commercial banking,and focuses on the Countermeasures of domestic and foreign scholars in the development of credit card business risk prevention and control and the results achieved,the application of case study research and normative two methods,combined with the credit card business process in different aspects of risk analysis,put forward specific measures on how to solve the problem.This paper is divided into seven chapters.The first chapter mainly introduces the research background and significance of this paper,the domestic and foreign literature review on credit card business risk and the research content and methods of this paper.The second chapter,the concept of credit card risk of credit card risk characteristics and risk and general risk of banking credit card difference is expounded,and the basic theory of business risk prevention of credit card is introduced in this paper.The third chapter on the development of credit card business of SX branch of the Agricultural Bank are analyzed,the Agricultural Bank of the credit card business of SX branch is facing the risk of fraud,credit risk,operational risk,credit card credit card transaction intermediaries risk analysis.The fourth chapter from the pre loan review,account management,loan management and other aspects of the credit card business of SX branch of the agricultural bank risk prevention problems were analyzed;from the internal causes and external causes of the two aspects of the Agricultural Bank credit card business of SX branch of risk prevention of the causes of the problems are analyzed;then the common credit card the risk assessment methods are introduced,and the comparative analysis of the characteristics of these methods,and finally select the Logistics regression model for regression analysis to the credit card customer sample SX branch of agricultural bank.Optimization of credit card loan before the audit criteria from the fifth chapter,strengthen the credit card loan credit card to do dynamic monitoring and loan collection work etc.puts forward the countermeasures and suggestions of risk prevention of credit card business in Agricultural Bank SX branch.The sixth chapter puts forward the guarantee measures for the risk prevention of the credit card business of Agricultural Bank SX branch from the two aspects of internal security and external security.The seventh chapter: conclusion and prospect.In this paper,the Agricultural Bank SX branch as an example,the risk of credit card business problems are analyzed,and based on the commercial banks,personal suggestions on how to identify and manage the risks of credit card business,the Commercial Bank of China credit card business risk management has a certain inspiration.