Research On Risk Management Of Credit Card Business Of Joint-stock Commercial Banks

Under the new normal of the economy,China's financial market continues to transform and upgrade,the credit card market has developed rapidly.The amount of credit card issued and the amount of consumption of various commercial banks have increased significantly,and market competition is increasingly fierce.Compared with western developed countries,China's credit card business started late,the development foundation is weak,the rules and regulations are not perfect,and business experience is insufficient.As a result,the credit card risk management situation is severe,which seriously threatens the national financial order security and the normal operation of the financial system.In recent years,the credit card business of Z Bank Guiyang Branch has developed rapidly,but in the process,the credit card risk has gradually been exposed.The non-performing loan ratio and balance have increased year by year,and the risk management and control pressure has been increasing.Therefore,through the research on credit card business risk management,it is of great practical significance to promote the sustained,stable and healthy development of credit card business of Z Bank Guiyang Branch.This paper combines theory and practice,and draws on the mature experience and practices of domestic and foreign banks in credit card business risk management research.Based on theories of financial fragility,information asymmetry,and economic cyclicality,Firstly,it expounds the background and significance of the topic,and introduces the research results of predecessors at home and abroad.Secondly,the Bank analyzed the problems of credit card business status and risk management status.Then,through the practice of other banks' credit card business risk management.Finally,from various angles,it puts forward suggestions and countermeasures to improve the risk management framework of credit card business of Z Bank Guiyang Branch.The research in this paper has important reference significance for the analysis of the prominent risk factors of credit card business and the promotion of credit card business risk management reform for Z Bank Guiyang Branch.