Research On Risk Management Of Credit Card In HS Bank

With the deepening of China's reform and opening up and the improvement of living standards of residents,various financial products and financial services have been increasingly integrated into the daily life of the masses,and have been gradually accepted and sought after.One of the credit card is the most representative of the modern financial products,it has various functions support access,transfer and settlement of accounts and overdraft consumption,fast and convenient to use,and the credit card application is simple and convenient for the customer groups widely,widely welcomed by the market and consumers.China's credit card business development in the state-owned banks and joint-stock banks,and gradually extended to the city commercial banks,foreign banks and rural commercial banks are in the continuous development of the credit card business,the credit card is very competitive on the market,only some banks over the pursuit of growth growth issuing amount instead of issuing quality,even in order to reduce credit card the standard size of the market,the customer survey and the credit evaluation is required to relax.In addition,with the increase of credit card trust and dependence,all kinds of credit card fraud methods have emerged,resulting in risk events of counterfeit cards,malicious overdraft,cash transactions,credit card to the cardholder and It is often seen.,bank funding challenges,credit card business healthy and steady development under certain depth the risks,more important is also affects the stable operation of the financial system.To sum up,it is of great theoretical and practical significance to study and discuss the risk management of credit card business in commercial banks.This paper begins with the theory of risk management of commercial bank credit card business and professional knowledge,credit card system combing the domestic and foreign literature and research results of risk management,analysis method,literature analysis method and the combination of theory with practical use cases,with the city commercial bank HS bank as the research object,analyzes the development the history and current situation of the credit card business,analyzes the main manifestation of the problem,the risk management of credit risk and operational risk and causes,combined with the risk control process was analyzed deeply,to achieve HS bank credit card business healthy and sustainable development,we must cultivate advanced risk management philosophy and culture.Establish the scientific development concept and sales oriented business,optimize risk control procedures into big data and AI technology,build efficient things The early warning mechanism strengthens the risk prevention and control in the event,improves the collection system and formulating the differentiation strategy to further enhance the comprehensive competitiveness of the bank's credit card business.The innovation of this paper is a research perspective,the HS bank credit card business as the research object,analysis of deficiencies in business development,with the main credit card credit risk and operational risk of in-depth analysis of the manifestation and cause of risk,combined with the risk control process analysis,put forward some suggestions and Countermeasures HS,the bank credit card business development more and more healthy,comprehensive competitiveness is more and more strong;the two is the conclusion of the study,based on the actual business process analysis into the risk control,from beforehand,the credit card in and after the three point of view,so that risk prevention strategies more maneuverability and to a considerable extent,but also can be applied to other commercial banks,some of the more complete theory of city commercial bank credit card business risk management knowledge system To promote the risk prevention of the credit card business of the national bank.The innovation of this paper lies in,one is the HS bank credit card business as the research object,in-depth analysis of the existing problems in business development,put forward the countermeasure of the risk operation and targeted,HS can promote the rapid and healthy development of the credit card business;the two is to help improve the city commercial bank credit card business the theoretical system of business risk management,for the city commercial banks like HS bank credit card business risk management has a certain significance.The full text has six chapters,which are introduced as follows:the first chapter describes the background and the practical significance of the study.The second chapter is related to the relevant professional theoretical knowledge of risk management of commercial banks,and the introduction of various research results at home and abroad.The third chapter describes the development of HS bank credit card business and the existing problems.The fourth chapter describes the specific performance of the credit card business risk category,and combined with the risk process analysis to explore the causes of the risk and the various processes.The fifth chapter gives some effective solutions to risk management.Finally,in the sixth chapter,the results of the study are summarized,and the future direction of development is planned.