Research On Risk Management Of Credit Card Business Of Bank G Zhengzhou Branch

In recent years,with the rapid development of China's credit card business,there are more and more credit cards.According to the Bank of China Association,by the end of 2019,a total of 970 million credit cards have been issued in China,almost everyone has a credit card.In 2019 alone,the total amount of credit card transactions reached 38.2 trillion yuan.With the rapid development of credit card business,it also brings great risks.It can be seen from the endless credit risks in recent years that credit card business risks are mainly divided into fraud type,malicious overdraft type,card using place type,handling operation type and card issuing technology type,which cause huge property and capital losses to cardholders and card issuing banks.However,due to the characteristics of lagging,dispersing,multiple and complexity of credit card business risks,it brings great challenges to the prevention and resolution of card issuing banks.In recent years,Zhengzhou branch of bank G has taken a series of measures in credit card business risk management.Although it has achieved obvious results,there are still problems such as lax qualification examination,nonstandard handling process,lack of supervision methods,lack of technical means and so on,which lead to frequent credit card business risk problems and huge property losses to the bank It is urgent to optimize and perfect the measures of credit card business risk management.In view of the above reasons,this paper studies the risk management of G bank's credit card business in Zhengzhou.Firstly,it defines and summarizes the concept,type and characteristics of credit card business risk,and summarizes the theoretical basis of this study from three aspects: information asymmetry theory,principal-agent theory and financial vulnerability theory,so as to lay a theoretical foundation for the research;secondly,from the current situation of credit card business and measures of credit card business risk management,etc This paper analyzes the current situation of credit card business risk management of Zhengzhou branch of bank g,so as to provide practical basis for further research;thirdly,in view of the current situation of credit card business development and risk management of Zhengzhou branch of bank g,from the external environment,internal mechanism,pre audit,cash out identification,bad debt write off and other aspects,this paper analyzes the risk management of credit card business of Zhengzhou branch of bank G Finally,based on the relevant theoretical results,combined with the consumer psychology of the public cardholders and the specific characteristics of the credit card business risk,this paper puts forward the specific measures of the credit card business risk management of bank g Zhengzhou branch from multiple angles,In order to provide a reference for bank g Zhengzhou branch and other banks to further improve the efficiency and efficiency of credit card business risk management.