Research On Credit Card Business Risk Management Of DL Commercial Bank

As a financial product widely used by commercial banks,credit card has become an essential consumption tool in people's daily life after years of development.With the widespread use of credit cards and the continuous development of financial market,credit cards have established close relationship with other financial products in different financial fields,and potential unknown risks are increasing.However,at present most internal commercial banks for credit card risk management consciousness and technology are relatively insufficient,the safety of credit card use of the external environment is not very perfect,fraudulent credit card,cash card and other social events and chaos is emerge in an endless stream.Therefore,how to strengthen the risk management of credit card business has become an important part of the current work of commercial banks,and it is more practical for the research of credit risk management of commercial banks.This paper takes DL commercial bank as an example to study the risk management of credit card and its countermeasures.On the basis of comprehensively describing the research status of credit card risk management by domestic and foreign scholars,first,it introduces the basic situation of DL commercial bank,summarizes the current situation of DL bank credit card business,and analyzes the current situation of DL bank credit card risk management.On the basis of DL commercial bank credit risk management problems exist in the analysis,including credit card,credit card loopholes policy review process is not perfect,credit card marketing practitioners and quick illegal operation and dynamic management of the lack of bank customer credit.At the same time,the causes of the problem are analyzed,including the lack of internal control mechanism,lack of perfect credit card risk management system,credit card business staff lack of risk awareness and credit card personal credit system is not perfect.According to the analysis of problems and causes,and puts forward specific measures for DL bank credit risk management,including the strengthening of credit card management of internal control,improve the credit risk management organization and process,improve the credit card business risk employee incentive and constraint mechanism and accelerate the improvement of personal credit credit system.