Study On The Problems And Countermeasures Of Bank Credit Card Risk Management

Credit card business profit ability is stronger,access to customer information more convenient,is conducive to good customer competition,is the most important way to commercial Banks to strengthen customer relationship management(CRM).With the development of economic globalization and the gradual improvement of the level of the market economy,our country banking quick start the credit card business,and achieved a leap-forward development.But the scale at the same time,credit card business risks also gradually reveal.Credit card business is a double-edged sword,the commercial bank profits at the same time may also be the liquidity risk of Banks or the whole industry.Credit card business risk management problems become management departments at all levels,topic widely concerned by academia and industry.Therefore,this article probes into the bank of China,Jacqueline Nottingham credit card business risk management system were analyzed,and provide a reference for the risk management practice of credit card business in China.In recent years,our country to realize the rapid development of commercial bank credit card business,product and service innovation and benefit consumers.However,the credit risk prevention and control system is not perfect,the risk management level and international level there is still a large gap.Based on the bank of China,Jacqueline Nottingham for the specific case,the integrated use of literature research,theoretical study method,case analysis and other methods,the credit card business risk management related theory,such as weak credit theory,theory of economic cyclical fluctuation,expected income theory,information asymmetry theory,comprehensive risk management theory,credit card preparation for asset impairment provision,as well as the factors that affect the credit card business risk and credit risk management process,etc.;Through comparative study the United States,Japan and countries such as Britain and France's credi t card risk control experience,realize to gradually improve the credit card laws and regulations,set up the correct concept of risk management,to set up the whole process of risk management system,establish a perfect information management system and s trengthen the collection and cancel after verification management,etc.Through the analysis of the credit card of bank of China,Jacqueline Nottingham business status and risk status,find out the main problems of the bank credit card business risk management and the reasons,and puts forward some countermeasures for the credit card risk management,to improve the credit card risk control mechanism,perfecting the credit risk operation system,strengthening credit card key to monitor,accelerate the process of credit card denied that the deal to accept,to speed up the credit card overdue assets and asset recovery efforts have cancel after verification,establish and improve the employee incentive and constraint mechanism and the bank of China,Jacqueline Nottingham to coincide with the development of credit card business risk management strategy,and achieved good effect,effectively reduce the risk of credit card,he profits increased,set up long-term mechanism,build asset quality control risk culture wit h the characteristic of the bank of China.Not only contribute to the perfection of our country bank credit card business risk prevention system,is more advantageous to optimize the environment of market economy,to promote rapid and healthy development o f credit card business,ensure the security of financial system,has important theoretical and practical significance.