ZX Bank Credit Card Business Risk Management Research

With the rapid development of China's banking industry,the credit card business has gradually developed into an important source of profit for banks.Although the credit card business has strong potential for development,but China's banks in the credit card business which did not get higher benefits.China's banks in the credit card risk management work there are many problems,including risk information technology backward,imperfect management system is more prominent.Banks want to get better development must adapt to the current macroeconomic environment,to establish their own unique risk management system.Therefore,the risk management of credit card business has been the concern of the community,this paper ZX bank credit card risk management in-depth study,has a high practical significance.This paper first analyzes the credit risk theory and analyzes the actual development of ZX Bank's credit card business,and finds out the characteristics and life cycle of the bank's credit card risk management.Finally,it draws out the risk composition of ZX bank credit card business: marketing,Operation,information,credit,etc.,this article also from the operation,credit,fraud and other aspects of the risk of in-depth study,so as to obtain the ZX bank credit card risk causes.Through the above research can find the ZX bank credit card business problems,but also on this basis,the problem in-depth study,and respectively from the quantitative and qualitative aspects of the corresponding research,given a highly targeted credit card risk resolution Measures,and help enterprises to establish their own development needs for the risk control system,the ZX bank credit card business risk control at a low level.This paper mainly studies the risk of ZX bank credit card business,and makes a corresponding research on the current situation and risk of the credit card business of the bank.Finally,this paper draws the following conclusions on the current development of China's bank credit card business:With the gradual development of the international financial system,more and more economic entities began to credit card as their main settlement,but our bank did not establish a sound credit card business system,leading to credit risk,cyclical risk,liquidity risk The impact of the development of the business.The rapid development of the credit card business has gradually exposed the harm brought by the credit risk,and the bank should perfect the relevant issues from inside and outside the issuing bank,and should take a more effective way to reduce the risk of their own business.We should use the sample analysis method to analyze the relevant problems from the quantitative point of view,so as to find out the influencing factors of the credit card business risk,so that the banks can solve the problems caused by the credit risk of the credit card business,so that the financial industry can get better development.