Research On Improvement Of Credit Risk Management System Of S Commercial Bank

Commercial bank credit card business has developed rapidly since entering China.By the end of 2013,its business scale had reached 13 billion yuan.In recent years,credit card has not only faced the competition of new financial products,but also the risks it brings to banks.Especially with the changes in the economic situation in recent years,the domestic financial environment has undergone new changes.From the perspective of individual cardholders,there are speculative drills such as “Kashen” and “Sanhe Dashen” who want to overdraw credit cards;in the enterprise perspective,bulk credit cards are then cashed through new channels such as financial services companies and micro-businesses.The phenomenon is also becoming more and more common.These constitute the risk of credit risk of local commercial banks.In the actual business development,the external environment faced by banks,especially small and medium-sized commercial banks,is becoming more and more complicated in terms of risk response.The new rules for credit cards introduced by the central bank in recent years have further highlighted the warnings and regulations.A viable space for small and mediumsized commercial banks in the credit card business market competition.This article will be based on the position of a typical domestic local commercial bank,S Bank,combined with the experience and lessons of its own and competitors,facing the typical problems of credit card products in the operation of commercial banks today,from risk management The angle gives the answer and further proposes corresponding countermeasures,and then draws inspiration from it.This article will use the industry history of commercial bank credit card business as a starting point to clarify its relevant historical and realistic background.Then use the relevant knowledge of commercial bank risk management to clarify the definition and boundary of credit card risk management,and then combine the real case of S bank credit card business,using risk assessment and capital assessment means,the main source of credit card risk is from cardholders.The risk is secondly from the internal risks of commercial banks.After using the logistic data model to classify and analyze the existing cardholders and applicants' behaviors of S Bank and their respective groups,this paper will introduce the credit scoring model and compare the existing credit scoring mechanism of S Bank,and introduce foreign commercial banks.The advanced experience,as a reference for the credit risk management of local commercial banks represented by S commercial banks,to clarify the key points of the improvement of credit card business risk management.