The Cause Analysis And Countermeasure Research Of Personal Credit Card Default Risk Of C Bank S Branch

With the rapid development of credit card business,the consumption credit amount of commercial banks has grown exponentially,creating a large number of expenses,interest and intermediate business income for banks,and gradually becoming a new profit growth point for retail business of commercial banks,in order to obtain more profits,commercial banks intensified competition,trying to increase the market share and credit card business.However,the risk is proportional to the return.With the credit card business booming,there are high risks.As China is in a period of transformation and development in recent years,the economic growth rate has started to slow down,the hidden problems of credit card business have gradually emerged during the period of rapid economic development.The risks of credit card default,such as false card operation,cash-out,fake card operation and malicious overdraft,have become more and more prominent,disrupting the financial order and causing losses for commercial banks,it is a new challenge for commercial banks to avoid risks effectively and resolve them in time.The S Branch of Bank C is located in the underdeveloped area,which has the characteristics of general commercial banks and also has its own characteristics.This paper is based on the theory of credit card default risk such as Information asymmetry,principal-agent,industry business cycle,etc.,taking the bank as the research object,this paper analyzes the influencing factors of personal credit card default risk and the causes of default risk by using the methods of literature research,data statistics and case analysis,and puts forward corresponding countermeasures and suggestions.It is found that the default probability of personal credit card of C Bank s branch is affected by the customer source of personal credit card,the sex,age,profession,the use of personal credit card funds,the external environment and the bank's management strategy.The main causes of personal credit card default risk are the extensive management of "happy horse enclosure",the imperfect personal social credit system,the Information asymmetry of personal credit card customers,the insufficient application of information technology in commercial banks,and the influence of macro-economic environment.In order to prevent and defuse the risk of personal credit card default,we need to improve from five aspects:first,strengthen the use of big data to prevent the risk of entry;Third,optimize the environment of the card,and gradually reduce the adverse effects of "adverse selection";fourth,improve the credit risk prevention and control system;fifth,establish and improve the personal credit system and legal system.