The Study Of The Development Issue For Credit Card Loan Business Of Z Bank

At present,the impact of bank credit card business on the daily consumption of citizens is indispensable in all aspects.With the rapid and rapid development of bank credit card business,the number of credit card issuances has surged,and credit card loan quotas have increased year after year.While promoting the transformation and upgrading of social consumption and stimulating domestic demand to stimulate economic development,there are also some hidden risks and concerns.As a local bank that has just joined the credit card loan business in recent years,Z Bank has faced the problem of a rapid increase in the non-performing rate of credit card loans at the same time as it has experienced the benefits of credit card loan business.This article starts with the development status of credit card loan business of Z Bank.Based on a preliminary discussion of the development structure and development status of credit card loan business of Z Bank,the credit card loan business process of Z Bank is pre-lending,post-lending,and customers.The decomposition of services and other links further explored the problems and reasons existing in the whole process of Z Bank's credit card loan business.For example,in the credit card business marketing link,there are problems such as irrational product design and fuzzy customer positioning;in the credit card business approval link,there are problems such as inaccurate customer portraits,backward risk assessment methods,and low credit lines;and risk monitoring during business transaction monitoring The degree of automation needs to be strengthened,and the credit card customer base is low in viscosity;in the credit card business overdue collection management,there are limitations in collection methods,insufficient disposal of non-performing assets,and other shortcomings;in customer base management,there are problems such as insufficient customer data mining.In order to meet the development needs of Z Bank's credit card loan business,on the basis of preliminary consideration of the development status and existing problems of Z Bank's credit card loan business,this article starts from how to improve the development level of credit card loan products,improve the credit card credit risk management system,Promote the development of credit card loan business management efficiency and promote the construction of the credit market environment,and put forward development opinions and suggestions to further improve the healthy development and market competitiveness of Z Bank's credit card business.