An Empirical Study On Credit Risk Factors Of Credit Cards Of Small And Medium-Sized Rural Banks

Small and medium-sized Rural banks,which are mainly composed of rural credit institutions,have played an irreplaceable role in promoting the development of agriculture,rural areas and farmers for a long time.At present,facing the increasingly competitive rural financial market,rural credit institutions actively innovate,in addition to the traditional deposit and loan,settlement,foreign exchange and other business,vigorously develop financial management,credit cards and other business,improve competitiveness.In this context,the credit card business of Agricultural Credit institutions in Zhejiang has made great progress in recent years,but in general it is still at the initial stage of simply checking the amount of cards issued,and is in the process of risk accumulation,compared with other types of banking institutions,the overall upward trend,mainly for credit risk,operational risk and compliance risk co-existence of the situation.Therefore,it is important to reduce the risk and promote the long-term healthy development of the credit card business of rural credit institutions in the region.This paper uses the methods of literature analysis,case analysis,Quantitative analysis and qualitative analysis,and uses the advanced credit card risk analysis and management methods at home and abroad for reference,this paper makes a detailed analysis of the main risks and causes of credit card business of Agricultural Credit institutions in Zhejiang Province,analyzes the credit card business process system of Zhejiang DQ Rural Commercial Bank,and makes an empirical analysis of the overdue data of credit cards,it is concluded that the key reason of credit risk in Zhejiang Province is that the credit card applicant's credit status is not checked strictly,which leads to the increase of the cardholder's default probability.Finally,the paper introduces the core point of view,that is,the local rural small and medium-sized bank credit card business development policies and recommendations,mainly includes formulating the development strategy of credit card business,perfecting the credit evaluation system,improving the level of internal management and raising the level of financial technology.There are relatively few studies on the credit card business risk of small and medium-sized rural banks in the academic circle,and only two or three empirical studies are not satisfactory due to the poor data availability and other reasons,the main innovation of this study is that it takes into account the cross-regional operation of the credit card business of the research object,the situation of most of the customers involved in agriculture,and so on,and through the acquisition of a large number of actual operating data,to ensure the authenticity of the full integration of theory and practice.