Risk Management And Countermeasures Of Commercial Bank Credit Card

With the further acceleration of economic globalization,China's financial industry has developed rapidly and the competition between major commercial banks has intensified.Credit cards have become a powerful tool for major commercial banks to compete for market share,increase customer loyalty,and increase the income of intermediary businesses.First,so increasing the number of credit card issuance and expanding the scale of credit card credit have become important goals for major banks.The credit card business needs to develop,and credit card risk management and its countermeasures have become an important issue for banks.At present,major commercial banks are concentrating their efforts on developing credit card business.It is often easy to overlook credit card risk management.In particular,current risk events such as cash outflows,overdue loans,frauds,and malicious overdrafts frequently occur,causing great losses to commercial banks,and therefore credit cards.Research on risk management and countermeasures is particularly important.This paper analyzes the characteristics,causes and types of credit risk in commercial banks and learns from the advanced experience of credit card risk prevention at home and abroad.It elaborates on credit card risk management theory and internal mechanisms,and analyzes the development status of credit card business of Zhuzhou Branch of Agricultural Bank of China.The bank's credit card risk management problems and reasons,put forward the optimization of business processes,the establishment of early warning information platform,the implementation of differentiated credit,the establishment of dynamic adjustment mechanism,improve the collection system,strengthen the staged risk control,strengthen the external collection and establish a personal account database Credit card risk management measures,etc.provide a viable proposal for the development of the credit card business of Zhuzhou Branch of the Agricultural Bank of China from a long-term perspective,aiming to explore a path that is suitable for the healthy,sustainable and efficient development of the credit card business of Zhuzhou Branch of the Agricultural Bank.