Research On The Financial Risk Management Of Credit Card Business Of Beijing Rural Commercial Bank

With the continuous development of the national economy,people's consumption concept has gradually changed.Credit cards are favored for their unique advantages such as convenience of carrying and "consumption before repayment".Credit card business has developed rapidly in China,and the business scale has achieved sustained and stable growth.However,the risk of credit card business is constantly exposed.As a provincial joint-stock rural commercial bank,Beijing Rural Commercial Bank has only a short time to develop credit card business and insufficient experience.It is urgent to improve the risk management ability of credit card business.Starting with the background and significance of the research,this paper clarifies the definition and types of financial risk of credit card business on the basis of literature analysis and related theories at home and abroad,and expounds the concept,strategy and process of financial risk management of credit card business,which provides a theoretical basis for the study of financial risk management of credit card business of Beijing Rural Commercial Bank.After a thorough understanding of the credit card business of Beijing Rural Commercial Bank,this paper starts with the five links of credit card business: product development and policy formulation,product marketing,credit approval,credit card service and post-loan management,and then analyses in detail the current situation of financial risk management of credit card business,and then puts forward some suggestions for rectification in view of the shortcomings of financial risk management,so as to display financial assets more intuitively.The level of business risk management,on the basis of optimizing the existing financial risk management evaluation index,reorganizes and establishes the financial risk management evaluation index system.This paper expects that through the research on the financial risk management of the credit card business of Beijing Rural Commercial Bank,it can effectively improve the financial risk management level of the credit card business of Beijing Rural Commercial Bank,and provide reliable reference basis for the issuing banks that have developed or are about to develop credit card business and have similar growth background with Beijing Rural Commercial Bank.