Research On Whole-Process Risk Management Of Credit Card Business Of M Bank In The Context Of Internet Finance

Credit card is a symbol of the modernization of the financial industry,with the characteristics of flexibility,innovation and broad prospects.It has become an important field of business innovation and technological innovation in banks,and also one of the most widely used business areas of Internet finance.Internet finance is the product of Internet technology deeply applied in the financial field.Internet finance not only improves the operation efficiency of credit card business and enhances customer experience,but also brings new challenges to information security,credit extension and risk monitoring.It has been a common problem faced by all commercial banks in the Internet finance era to strengthen credit card risk management.In this context,this thesis takes bank M as the research object and conducts in-depth research on the risk management of its credit card business from the perspective of Whole-process Risk Management.On the basis of detailed analysis of its credit card business and risk management status,and according to the credit card issuance process and the risk management characteristics of Internet finance,this thesis constructs the risk management evaluation index system of the Whole-process of M bank's credit card business from the three stages of pre issuance,mid issuance and post issuance of credit card,and then carries out empirical analysis.Finally,put forward suggestions on risk management for M bank from the three stages according to the comprehensive evaluation results.Thus,this thesis has designed six chapters.The first chapter is the introduction,focusing on the research background,research significance and research status at home and abroad;the second chapter is the theoretical basis,focusing on combing the basic theory and evaluation methods used in this thesis;the third chapter is the status analysis,focusing on the development of M bank's credit card business and its risk management measures;the fourth chapter is the comprehensive evaluation,carrying out an empirical analysis on the Whole-process risk management level of credit card business in M bank with the index system and evaluation model;the fifth chapter is the countermeasures and suggestions,putting forward specific suggestions on risk management optimization from the three stages;the sixth chapter is the research summary and prospect.This thesis mainly draws the following conclusions: first,it summarizes the market competition situation and Internet financial transformation trend of M bank's credit card business;second,it constructs the evaluation index system on the Whole-process risk management of credit card business in M bank,which takes the Whole-process risk management level of credit card business as the first-level index,the second-level indexes including pre issuance risk management,in issuance risk management and post issuance risk management,the third-level indexes are composed of 12 indicators,including customer information portrait ability and so on.Third,evaluate the Whole-process risk management level of credit card business in M bank.The comprehensive score is 81.917,among which,the score of risk management in post,during and before the issuance stage of credit card is 84.798,83.498 and 82.847,respectively,all of which are in the “good” level,but there is room for improvement in each sub index;the fourth is to put forward the optimization measures of the Whole-process risk management of credit card business in M bank.There are 12 specific measures including risk prevention before credit card issuance,risk control during issuance and risk supervision after issuance.The conclusions of this thesis will not only help to improve the theoretical research results of credit card risk management in China,but also provide references for M bank to accurately recognize the level of credit card risk management.Besides,they will provide reference for M bank and other commercial banks to improve the risk management level of credit card in the Internet Finance era.