Research On Risk Management Of Credit Card Project Of China Everbright Bank Jinan Branch

In recent years,various china commercial banks to further improve the profit structure,have a large number of issued credit card,credit card in China surged,with further increasing the number of credit cards,credit card business risk is further increased,and the risk of concentrated outbreak trend,limiting the further development of commercial banks.Different with the international large foreign banks,China's commercial bank credit card business started slow development,fierce,accumulation of risk control experience is difficult to keep up with the pace of development of credit card business,resulting in China's commercial bank credit card business profits accounted for the lower than has been in the state,even at a loss,and the foreign banks 20%-50% of the profit ratio has a great gap.With the further opening of China's financial market,foreign banks will gradually participate in China's credit card business market competition,to maintain the competitiveness of China's commercial banks will be a great threat.Therefore it is necessary to increase the risk control of China's commercial bank credit card risk control,to prevent the further outbreak of credit card risk,to further expand the profitability of commercial banks to improve the profitability of providing theoretical basis.In this paper,based on the domestic and foreign credit risk management research on the risk of credit card types and related management theory an overview of the system,at the same time to Chinese Everbright Bank as an example,the causes of China Everbright Bank credit card risk and how to identify research methods that solve practical.The use of Logistic method to return to the selected sample information analysis,obtains the Logistic credit risk evaluation model,according to the factors affecting the output of the model results show that customer risk has a significant impact,namely,education,work experience,and debt to income ratio impact on the credit card customer credit status.Then according to the conclusion of the model and input the further analysis on the risk to put forward the corresponding improving Everbright Bank credit card risk control strategies,including strictly control the issuance threshold,to ensure that customer information authenticity,pay attention to risk control afterwards and build large databases is to supplement and correct the model,model assessment and evaluation combined with experience the risk assessment method,the establishment of credit card abnormal condition monitoring system,and provide a theoretical basis for the further development of China Everbright Bank credit card business China.The main innovation of this paper is combined with my years of work experience in China Everbright Bank,China Everbright Bank credit card customer collection of internal information,the use of logistics evaluation method of customer default risk regression analysis.With the existing research results mostly focus on the general method of credit card risk management,this paper focus on the research of special problems,to take China Everbright Bank China targeted research,analysis of its causes,and targeted measure data.When selecting logistic regression variables introduced working years,the debt to income ratio of two had significant effects on the cardholder repayment and repayment ability index,and successfully passed the significant test,these two indicators are used to evaluate the risk of credit card less.