Research On Risk Management Of Bank Card Project Of Commercial Banks

With the development of economy and the continuous improvement of residents' consumption level,bank card has become increasingly important as a convenient and fast non-cash payment tool.With the rapid development of bank card business and the continuous growth of bank card business,the risks brought by bank card business also increase,and the problems in risks become increasingly serious.And these risks are especially great for the loss between the issuing bank,the specially engaged merchant,the cardholder.By understanding,at present the risks of the issuing bank is mainly manifested in the aspect of internal control,the issuing bank is all the source of the problem,a loophole in the operation of the Banks themselves lead to ongoing risk,Banks should strengthen the risk management of bank card,financial regulators should strengthen financial regulation,from the inner improve the comprehensive quality of the financial industry professionals,from the crackdown on illegal breach,to prevent the happening of the bank card market chaos,let the cardholder in normal healthy financial environment,efficient and legitimate use of bank CARDS.In addition,the franchised merchants are also one of the leading actors in this field.The bank plays a connecting role when cooperating with the franchised merchants,so the bank should properly close each gate of the franchised merchants.The risk of cardholders is also an important issue.In addition to"self-insurance",cardholders should also pay attention to some unreasonable regulations.In short,China's bank card business and related systems are not perfect.In accordance with the actual situation of the development of China's banking industry,drawing on the development experience of foreign Banks,from the perspective of safeguarding social public interests and protecting the rights and interests of consumers,relevant laws or regulations are formulated to promote the sustainable and healthy development of the banking industry.This article in the current local commercial Banks to actively carry out bank card business financial background,combining the theory of risk management,each big financial institutions to the advanced ideas and methods of the bank card business risk control,from the current status of the development of bank card,and then analysis and research of the current specific to a case,this paper mainly USES the method of literature review,data,information,and case analysis,comparative analysis,induction and exercise method and other methods,combined with the learned during the period of learning strategy management,data model and decision making,organizational behavior as well as risk management strategy,Qinhuangdao branch of industrial and commercial bank of the bank card risk prevention status quo and existing problems are analyzed,Combined with the actual situation of the development of commercial Banks,risk control measures and countermeasures are sorted out.The paper discusses how to improve and perfect the bank card risk prevention work of ICBC Qinhuangdao branch,and puts forward Suggestions to improve the bank card risk prevention.The author believes that only by establishing a safe and stable card environment can the economic rights and interests of Banks and cardholders be protected and the healthy and orderly development of the card industry be promoted.