Research On The Risk Management Of A Credit Card Business In A Branch

Credit cards are becoming more and more popular as a tool for personal loans and commercial liquidation.According to the "Overall Situation of Payment System Operation in the Second Quarter of 2016" released by the Central Bank on September 8,2016,by the end of the second quarter of 16th,the total amount of credit cards and debit cards with overdraft functions in China totaled 473 million,and Compared with 2015,the growth rate was 9.26%,of which 0.31 credit cards were held per capita.Credit card credits totaled 8.05 trillion yuan,a year-on-year increase of 25.44%.This paper studies the risk management of credit card business in A branch,summarizes the domestic and international credit card business and credit card business risk management theory,uses credit rating theory,behavioral finance theory as the theoretical basis of this article,and introduces A bank's credit card business and credit card business risk management.The analysis of the problems in the risk management of credit card business in A branch mainly includes:1.The implementation of the risk management system is flawed;2.The deficiency in the risk management framework;3.The weak professional skills of the risk management personnel,and then selected through practical examination.With branches B and C at the same scale as A branches,to study the advanced experience of B and C branches in the risk management of credit card business,combined with the existing problems in the risk management of credit card business at A branch,proposed the countermeasures for A branch to improve the risk management of credit card business,including:1.Strengthen the implementation of the credit card business risk management system;2.Establish an independent credit card risk management organization structure;3.Reform the risk management mechanism;4.Establish an efficient and strict risk management technology system.The risk of credit card business runs through the entire credit card business,including credit card incoming data review,credit card use monitoring,and credit card business risk case processing.This paper analyzes the outstanding problems of the A branch's credit card business risk management from aspects of system construction,organizational structure construction,and technical support.Then,through practice,the bank's credit card business risk management approach was inspected and recommendations were made for A branch.