A Study Of Risk Control Of Credit Card Of Shenyang Branch PSBC

In recent years,financial products of commercial banks are rich and varied,and their development momentum is swift and violent,the credit cards have become a major payment tool for people's daily consumption due to their ease of use and quick payment,and have been widely used by people.The integration of credit card business with “Internet Plus” and the multi-industry alliance with non-financial institutions have brought the credit cards into the market tide of the internet economy.Affected by the shrinking financial economy in Shenyang,the credit card payment environment has continued to deteriorate and various types of risk problems have gradually escalated,the risk of credit cards of the Shenyang Branch of the Postal Savings Bank of China has been enlarged,construction of long-term risk control mechanisms for the construction of credit cards is the premise guarantee for Shenyang branch to expand its market share of credit cards.This paper starts from the risk status of the credit card business of the Shenyang Branch of the Postal Savings Bank of China,puts forward the main risks of the credit card business,analyzes the causes,and finally formulates credit card risk control measures,the specific research contents are as follows:Firstly,this paper explained that under the backdrop of China's economic transformation and upgrading,the deepening of financial reforms and the booming development of information technology,after the credit card business is integrated with the “Internet Plus” and online applications and online payment functions are added,the consumer groups and the consumer environment become complicated.The Shenyang Branch of the Postal Savings Bank of China is a secondary branch of the provincial capital of Liaoning Province,responding to the call of the Head Office and the Liaoning Provincial Branch,regards the credit card business as a strategic business and will achieve leapfrog development in 2017,risk control is the precondition for the quality and efficiency of credit card business.In 2017,the Shenyang branch's rapid increase in the scale of credit cards,bad credit and bad rates risk indicator also rose rapidly,and credit card risk control pressure increased sharply.In order to improve the credit card risk control ability of the Shenyang Branch of the Postal Savings Bank of China,this paper constructs a research framework for the credit card risk control of the Shenyang Branch of the Postal Savings Bank of China through the analysis of risk theory,risk management theory and information asymmetry theory,and analyzes the causes of the case by collating literature arguments,through horizontal and vertical comparative analysis,the research was conducted based on the index data.Secondly,identify the risk of the credit card business of the Shenyang Branch of the Postal Savings Bank of China.The status quo and trends of credit card business in Shenyang Branch are explained in two aspects: the change of credit card management mode in Shenyang Branch and the change trend of credit risk indicators in Shenyang Branch.Pre-lending,lending and post-lending are used as leads,from promotion marketing,approval credit approval,transaction monitoring,etc.Identify the four types of risks common to the credit card business of the Shenyang Branch of the Postal Savings Bank of China,namely credit risk,fraud risk,operational risk,and economic cycle risk.Once again,deeply analysis the major risk issues in the pre-lending,lending,and post-credit stages of the credit card of the Shenyang Branch of the Postal Savings Bank of China,find out the major factors affecting credit card risk.The promotion of marketing in the pre-lending stage is mainly influenced by the incoming policy,which is reflected in the adjustment,application and implementation of the incoming policy.The impact of the review criteria in the lending stage is mainly determined by the bank's internal strategic objectives and management system.the Shenyang Branch of the Postal Savings Bank of China was over-aggressive with internal strategic objectives,and the audit system relaxed too quickly,so the risk indicator quickly rose.Affected by the post-lending stage risk control capability,the risk control capacity of the Shenyang Branch of the Postal Savings Bank of China was mainly characterized by weak organizational structure,lagging risk assessment methods,unfavorable internal risk controls,and single means of risk warning and collection.Finally,according to the credit card of the Shenyang Branch of the Postal Savings Bank of China pre-lending,loan-in-lending and post-loan risk issues and the causes of risk issues,call out feasibility control measures and formulate a risk assessment tool list for the Shenyang Branch of the Postal Savings Bank of China as a long-term risk control mechanism for Shenyang Branch.First,customer access measures in the pre-lending stage,prepare the risk management from the organizational guarantee,set up a risk monitoring committee,do a good job of risk case investigation,and explain how to implement the incoming policy;Second,the review measures in the lending stage,in order to adapt to the risk management needs in the new situation,formulate evaluation tools for credit card risk management work,strengthen risk investigations,implement responsibility investigations,and strictly control risks in the review process;third,early warning and collection measures in the post-lending stage,start from the perspective of strengthening post-lending risk monitoring,formulate risk early warning measures and collection measures.