Research On Credit Card Risk Management Of C Branch Of Minsheng Bank

Due to the reverse cycle,risk dispersion and stable profitability of credit cards,commercial banks have keenly grasped the favorable opportunities for the booming consumption economy in China in recent years,and regard credit cards as the layout focus of the large retail business and the strategic transformation of the whole bank.On the one hand,commercial banks have taken the initiative to upgrade credit cards into new strategic lines of business,and further increase the resources invested in credit card issuance.On the other hand,credit cards have evolved into a platform,import and scenario integrated financial business,which has become a basic section and strategic project for commercial banks to attract customers,increase customer value,and attract deposits and loans.In this context,the type of payment risk of credit cards has also undergone new changes,and the rules of the generation,evolution,expansion and outbreak of risks and their characteristics are more complicated and more varied.The risk of fraud tends to be specialized and grouped,information leakage incidents occur frequently,false applications increase,gangs commit crimes and cross-regional crimes are invincible.Due to the sinking of customers caused by competition,the willingness to repay and the volatility of repayment ability have increased.Difficulties in the prevention and control of credit risk,and at the same time,"strong supervision" has also accelerated the default risk of the long-term mutual debt group,and the debt risk has been accelerated to the credit card business,which has caused greater pressure on the credit risk management of commercial banks.Under such circumstances,how to effectively prevent and control the occurrence of credit card risks and ensure the healthy and stable development of China's credit card business is of great theoretical and practical significance.This paper mainly studies and analyzes the risk management of credit card business of commercial banks based on the current economic environment.First of all,the omni-directional system expounds the relevant theoretical knowledge of credit risk management of credit card and credit card business at home and abroad.Secondly,It conducts in-depth analysis and research on the characteristics,management objectives and operational procedures of current credit risk management of Minsheng Bank C Branch,and combines risk management with specific Examples,explore the causes of risk and problem loopholes.Finally,combined with theoretical knowledge,case analysis is used to analyze the key customers of Minsheng Bank C Branch,and reasonable management suggestions for credit risk management of Minsheng Bank C Branch are proposed.It is of great significance to comprehensively improve the risk management level of credit card of Minsheng Bank C Branch and reduce the probability of occurrence of non-performing assets,and to promote the sustainable and healthy development of credit card business of Minsheng Bank,and help China's credit card risk management level to reach a new level.