Research On Risk Management Of Credit Card Business Of SPD Bank

With the development of financial market,in order to occupy a certain position in the market,all Banks are constantly expanding their credit card scale and increasing the transaction amount of credit card.Under such circumstances,it is easy for Banks to ignore the security problem of credit card,ignore the security audit and risk control of credit card business,and lower the threshold of credit card application.It is easy to lead to the credit card business risk exposure and financial events.SPD bank constantly increases the issuance of credit cards and expands the scale,thus it ignores the examination of customers' credit standing.There are a certain number of bad customers.The bank itself lacks certain credit card monitoring system and monitoring system,and the staff's risk awareness is insufficient.However,the cardholder's own risk awareness and credit awareness are also insufficient.There are a lot of cardholders who do not use the cards according to the rules of credit card use,and there are situations such as credit card overdraft and expectation,which cause credit risk and lead to bank losses.Faced with such a situation,how to manage the risk of SPD bank's credit card business is an urgent problem to be solved in this paper.This paper mainly starts from the actual problems existing in the credit card business of SPD bank,Based on the research background of risk management of the SPD bank's credit card business,this paper aims to understand the current credit card risk and risk management,and analyzes the current risk management status of the SPD bank's credit card business.This paper introduces the credit card center of SPD bank,the product system of credit card business,processing procedures and business development,then it introduces the main measures and operation procedures of credit card risk management,and finally analyzes the current problems of SPD bank's credit card risk management.Next,this paper identifies and evaluates the risk factors existing in the issuance process of SPD bank's credit card business,determines the risk level and formulates corresponding risk response measures,comprehensively controls the identified risk problems,and eliminates or reduces the risk of credit card business.Through risk management of credit card business,it makes the risks and potential risks in the banking credit card business well controlled and reduces the economic and other losses to the bank caused by the risk.It can better protect the safety and interests of Banks and improve their operating efficiency.It can better promote the development of the bank's credit card business,make the bank pay more attention to the credit card business,and make the risk prevention system of the bank's credit card business more refined and scientific,which can give the bank a better reputation,win the recognition of customers,and attract more customers to apply for the card.From the perspective of customers,credit card risk management can regulate the credit card bidding process of customers,ensure the security of the bidding process,regulate the business operation of Banks,guarantee the privacy of customers,guarantee the security of customers' economic property,and reduce the economic losses to customers caused by credit card risks.The research on the risk management of the SPD bank's credit card business is of great significance to the development of the risk management theory of SPD bank's credit card business.