Research On Credit Card Business Risk Management Of Agricultural Bank X Branch

Along with the vigorous development of the our country economy and the financial services industry,credit card with its advantages of the convenient and flexible and quick gain a foothold in the market,as consumers in daily life for the important mediators of settlement and payment For the banking sector,as a new business,credit card has the income sources,the characteristics of high interest income,become the Banks profit growth point,is one of the goal of trade is intense to grab market share At the same time,the credit card business is also a double-edged sword,high income must be accompanied by greater risk.In this paper with theory with practice,the selection of state-owned agricultural bank of China branch bank credit card business X as the research object,through the literature,the actual research model analysis and so on angles,according to the theory of risk steps,starting from the risk status to find existing problems,and using the analytic hierarchy process(ahp)and fuzzy evaluation method,combined with risk factors,to assess the risk of credit card business,it is concluded that the agricultural bank X branch overall risk on the average credit card business,one of the biggest operation risk influence conclusion On the basis of risk assessment,in combination with the object of study the actual business data more specific risk management analysis and verification of reference the advanced experience of foreign Banks and enlightenment,put forward the X branch of overall credit card business risk management strategy and the suggestion,to promote the healthy development of credit card business Maintain the security of state-owned assets to promote economic stability has a practical significance.