Research On Risk Prevention And Control Of Credit Card Business In Y Branch Of BC Bank

With the growth of domestic demand,the upgrading of consumption and the steady growth of household income,the competition between domestic commercial banks is becoming increasingly fierce,coupled with tightening interest margin and other reasons,more and more commercial banks regard credit cards as an important source of income,rapid expansion of credit card customer groups is the top task of major commercial banks.As more people use credit cards,the risks is also increasing.The Y branch studied in this paper is the first subordinate branch of BC Bank.BC Bank is the first bank in China to issue credit cards.Because BC Bank has business outlets in many countries all over the world,credit card business cooperates closely with foreign billing institutions,and credit cards are used conveniently abroad,which makes the credit card transactions of BC Bank spread all over the world,so the risk problems exposed by BC Bank's credit card business are exposed.Among these exposed risks,The three most important types are credit risk,fraud risk and operational risk.These problems have caused great harm to banks and cardholders.These risks lead to the credit card business of BC Bank can not develop healthily.The problem to be studied in the text is how to prevent and control these risks so as to make BC Bank's credit card business continues to develop healthily.The purpose of this paper is to improve the risk prevention and control ability of credit card business of Y Branch of BC Bank.Firstly,This paper introduces risk management and credit card risk classification.Then,the development status of credit card business of Y Branch of BC Bank is analyzed,focusing on the credit card risk profile,risk identification measures and risk prevention and control status of Y Branch.Then through the analysis and study of the typical cases of credit risk,fraud risk and operational risk in the process of developing credit card business of branch Y,we can find out the problems existing in the risk prevention and control of credit card business of branch Y,and analyze the causes of these problems.At the same time,this paper draws lessons from the advanced credit card risk prevention and control models of the United States,Australia and Japan,and puts forward measures and suggestions for the risk prevention and control of the credit card business of branch Y of BC Bank,in order to enhance the anti-risk ability of the credit card business of branch Y of BC Bank.