Research On Credit Risk Management Optimization Of H Bank Credit Card Business

As one of the greatest products of the 20 th century,credit card undoubtedly play a decisive role in the world.It not only changes People’s consumption habits,but also brought considerable profits to various commercial banks,especially after entering the 21 st century,the number of credit card issuance has always been developing in a very high state.As the credit card growth model becomes more and more mature,domestic and foreign influences are also gradually expanding.But at the same time,due to the growing number of credit-card holders,the market environment is becoming more complex and changeable,the corresponding risks are increasing,and internal and external business environment is getting harder.H Bank Credit Card Center is one of the earliest commercial banks in the credit card field in China.It has a wealth of credit card issuance and management experience,and at the same time,there are many years of research on risk prevention of credit card.This paper takes the risk prevention and management strategy of H Bank Credit Card Center as the research object,based on fraud risk prevention,credit risk prevention and operational prevention theory,using literature research,questionnaire survey,in-depth interview,case analysis and other methods,research on the risk prevention of H Bank Credit Card Center investigate,furtheranalyze the cause of the mismanagement.Through analysis,it can be found that H Bank Credit Card Center’s risk prevention is insufficient,lacks of comprehensive risk management concept;the risk identification ability is weak and the internal control system is not perfect;the risk sensitivity of junior bank’s employees is low.By analyzing the existing problems of H Bank Credit Card Center,we obtain some data from the empirical research.This paper gives some proposals: Due diligence before lending to avoid the risk of decision-making error;Improve internal risk control mechanism;Increase the risk sensitivity.The author hopes these proposals can be used for reference to smooth development of the H Bank Credit Card Center,at the same time,it also can provide useful reference for the risk control of the whole credit card industry.