Research On Credit Card Risk Evaluation And Control Measures Of Bank Of China Lishui Branch

With the continuous upgrading of residents' consumption habits,modes and structures,credit consumption has gradually become one of the mainstream consumption in the market,and the credit card business of commercial Banks has explored Outbreak growth.According to statistics,in the first half of 2018,the amount of credit card swiping by Banks nationwide exceeded 13 trillion yuan,with 0.46 credit cards held by each person.The credit card business has become an important tool for Banks to expand the retail market and improve their profitability.Behind the explosive development,the scale of non-performing credit card assets is increasing day by day,and credit risks such as credit fraud and overdue loans are emerging in endlessly.How to strengthen risk management has become the key of the steady development of Banks.At present,the development of credit card business of Bank of China Lishui branch is faced with the dual requirements of reducing non-performing assets and increasing customer scale.How to expand and strengthen the retail business under the premise of effectively controlling risks has become a new task for the development of Lishui branch.Based on the actual situation of the development of Bank of China Lishui branch,this paper explores the risks and influencing factors of the development of credit card business in Lishui branch by focusing on the ideas of literature research--current situation analysis--empirical analysis--and Suggestions.It is found that the subjective risks of credit card business in Bank of China Lishui branch mainly include operational risk,operational risk,credit risk and fraud risk.The cause of the risk mainly comes from four aspects: cardholder,internal bank,special merchant and market environment.The overall development of credit card business of Bank of China Lishui branch has a good momentum,but the defective rate of credit card assets is on the high side,and the risk management is mainly based on the head office model.Therefore,it is urgent to strengthen the risk management of the bank.Through empirical research with the AHP,this paper finds that the most important risk faced by credit card customers of Bank of China Lishui branch is customer credit risk,which is closely related to customer's gender,age,income and other information.For credit card of Bank of China,Lishui branch business development actual situation,this article from the standard business process,strengthening the construction of management team,early risk warning mechanism,improving the information management system,improve the external development environment five aspects to strengthen credit risk management of specific measures,for the Bank of China,Lishui,improve the level of credit card business management and risk management provide train of thought,to promote the comprehensive and healthy development of the commercial bank credit card business.