On My Country's Credit Card Risk Management And Strategy

China is gradually going into the "Electronic payment era".Credit card is becoming a necessary transaction method in our daily lives.Compared with cash or checks,credit card can bring consumers more convenient.But in recent years,due to the increasingly fierce competition between Banks,the speed of issued credit cards grows quickly.In order to win the greatest degree of customers and get the highest market share,many card issuers have reduced the access threshold and their audit link,and even some con artists zeroed in on these leaks and do fraud.Therefore,the management of credit risk is particularly important.It is the objective law of the financial markets that risks and benefits are corresponding.Behind the credit card business earnings,there may be great risks.How to assess the risk with scientific method,control it with correctly strategy,manage it with the best overwhelming sight is a real issue,which can promote the improvement of bank management effectively,enhance the core competitiveness of the bank and Maintain financial system steady and safe.In this paper,firstly,I will talk about the functions and characteristics of credit card and the general method of risk management;then analysis the risk in credit card and the major cause of it;third,I would like to puts forward some specific measures and suggestions to strengthen our credit card risk management according to China's credit card market development and some related international experience or our national conditions;finally I lists and analysis the false application,malicious overdraw,and false card case.credit risk control and management plays an important role in bank card business,so we need to servers it with perfect service process,specialized logistical support,scientific credit score system and proper decision model.We should learn lessons from foreign experience to improve our credit risk awareness and prevention measures,and using credit score model of five stages to reduce credit card risk.I will be in the business of making effective decisions through the analysis of three cycles of products.At last,I will talk about how to control risk effectively by controlling the cost,risk aversion and management.