Research On Credit Card Asset Quality Management Improvement Of Bank Of China Lanzhou Chengguan Sub-branch

In recent years,with the slowdown of the overall market economy,some sectors of the economy showed a downward trend.Affected by the overall environment,the income level of customers declines,and the unstable repayment ability leads to the increase of non-performing assets of credit cards,and the quality of bank credit card assets declines.Bank of China Lanzhou Chengguan Sub-branch is one of the six central sub-branches of Gansu Branch located in lanzhou,the capital of gansu province.In recent years,the credit card asset quality of Chengguan branch continues to decline,the proportion of non-performing assets increases,and bank profits are seriously affected.This thesis takes Bank of China Lanzhou Chengguan Branch as the research object,based on a large number of relevant theories and literature research at home and abroad,analyzes the status quo of credit card asset quality development in Chengguan Branch,and further finds out the existing problems in credit card asset management and analyzes the reasons through questionnaire survey and personnel interview.Use of total quality management theory into the city branch credit asset quality management the whole process,using flow chart and the utility function,increase the total amount of credit and reduce bad assets two Angle,and combining the existing problems,and puts forward five chengguan branch credit card asset quality management improvement opinions: first,the overall management,by optimizing the structure to improve the quality management system for credit card assets.Secondly,in terms of personnel management,the position responsibilities are clarified through rational allocation,department linkage and learning and training.Third,customer management,the establishment of customer files,the implementationof the "first card" responsibility system,strengthen credit card activities to stimulate customer consumption to identify potential risks.Fourthly,in terms of the operation process,the utility function is used to do a good job in risk identification,standardize customer access and classify and manage overdue customers to refine specific operations.Fifth,the PDCA cycle method is used to test whether TQM has achieved the expected results and make timely adjustments.In order to ensure that specific recommendations achieve good results,personnel assessment,finance and activities are guaranteed.Through the study of this thesis,not only for lanzhou city branch of Bank of China credit card asset quality management problems existing in the solution,and similar to the bank of China,gansu province branch credit card asset quality management to provide a new solution and reference opinion,has a certain reference significance.