Research On Risk Control Of Post-90s For CMBC Credit Card Center

In July 2017,the credit card center of Minsheng Banking Cooperation limited found that the post-90s is the ideal target group of credit card,and it belongs to the high-quality customer group of credit card,and the risk is low.In the next five years,the post-90s guest group is the main body of the future credit card.Under the background of such case,based on credit risk management target which is the risk profit balance of the Credit Card Center,this paper mainly analyzes the correctness of the conclusion through the PESTEL model,and divides it into six dimensions:political factors,economic factors,social factors,technical factors,environmental factors and legal factors.Through the model,it analyzes the necessity and relevance of the conclusion which is the post-90s has become the ideal target customer of the credit card.At the same time,the group is divided into four dimensions of urban household registration,rural household registration,college students and non-college students,through the theory of financial vulnerability,information asymmetry theory,large number law,reverse selection and other risk theories,and the principle of profit maximization,comparative advantage theory,and the theory of pre-income income analysis of different groups.To verify the limitations of the conclusions in the case.In the study of credit risk control,besides risk theory,price theory and PESTEL model,the important role of internal control in credit risk control is recognized by combining the definition of operational risk in the Basel agreement,and the risk control of credit card for Minsheng Bank credit card in the post-90s is studied under the large data threshold.This paper mainly focuses on the research on the risk control of post-90s credit card by the credit card center of Minsheng Bank.It is the research on the risk control in the narrow sense,the risk management or the risk control in the non-traditional sense.The emphasis is on the fraud risk,credit risk and the operating wind of the credit workers in the examination and approval of the credit.The research on risk is mainly to study how to prevent and avoid the risk of pre-loan and loan,how to balance the credit risk and profit.The post loan risk on assets will not be studied in this article.