Research On Risk Management Of Credit Cards Of Postal Savings Bank Of China Heilongjiang Branch

Economy is developing at top speed nowadays with credit cards being the most popular payment pattern.As credit is a circulation of loans based on personal credits,risk control is essential,especially to credit card s business in every bank.Postal Savings Bank of China Heilongjiang Branch credit cards business has been developing rapidly in recent years,which brings problems generated from over speed development in earlier phrase and risks have come along.Therefor e,it is fundamental to create a benign development environment for Postal Savings Bank of China Heilongjiang Branch who has realized the importance and necessity of risks management of credit cards.The essay begins on current situation of risk management of credit cards in foreign counties,then analyzes the risk environment and its advantages and disadvantages of Postal Savings Bank of China Heilongjiang Branch's credit crads business based on research of current development situation,risks and risk management of Postal Savings Bank of China Heilongjiang Branch.The essay then points out problems of risk management of credit cards business on structures,applicants' and applications' quality,illegal intermediary agencies with invalid applications,examination and approval of applications,and management after loans etc.With prospects of creating an friendly development environment,the essay finally provides suggestions and responses to optimize structures,control risks of application strictly,improve management to avoid illegal intermediary agencies,optimize examination and approval process,improve management after loans by analysis the resources of these problems.Postal Savings Bank of China Heilongjiang Branch's comprehensive competitive ability depends on its ability to control risks of credit cards business,which protects the credit cards industry to develop steadily.The essay also hopefully can help to improve and promote credit cards business of Postal Savings Bank of China and to step into maturity.