The Study Of Integrity And Criminal Problems In Credit Card Business Of Domestic Commercial Banks Of China

With the development of our economy and the improvement of the financial system,the demand for credit cards is increasing day by day.The commercial bank credit card business and services are becoming more and more diversified,in order to meet the needs of the people in the financial product innovation,and has played an important role in the field of personal integrity,social consumption and bank credit card industry development.Commercial bank credit card business is a way of unsecured guarantee credit loan business which has high risk.The smooth development of the credit cards is decided by the different levels of the business concept of good faith,the corresponding risk prevention system and internal management ability.In recent years,the commercial bank credit card business develops rapidly,but the integrity management of the credit card is not mature,so the problems of the credit card business continue to arise caused by lack of good faith.The dissertation analyses the reasons of credit card risks from the weak management of commercial banks,unsound system of laws and regulations,lack of credit card education.Comparing foreign commercial banks,the experience of the sound development is the good faith.The dissertation analyses the experience and insufficiency of the Postal Savings bank of China and the commercial banks of the America,Japan,to summarize how to prevent and deal with the problems of good faith.Firstly,we can perfect the prevention work before issuing the credit cards from improving civic education,controlling the bank internal risks.Secondly,pay attention to the credit card issuing work from the numbers and qualities.Thirdly,grasp the risk control work after issuing cards from the post loan management and the POS merchant access work,of course,the control of the social good faith is also important.We can establish and improve the integrity of laws and regulations,and establish a national integrity values,improve the integrity of the system,in order to get the health development of the credit cards.