Research On MS Bank Shenyang Branch Center Credit Card Business Risk Management

In recent years,credit card business is becoming an increasingly important intermediary business of commercial banks with its high growth and high yield attributes.At present,China’s credit card industry is developing rapidly.However,as major banks compete to seize the market share,the risk of credit card business is also gradually outbreaking,which brings losses to issuing banks.Therefore,for issuing banks,while expanding the market,the level of credit card risk management needs to be improved urgently.With the continuous development of credit card business,more and more banks adopt the credit card center model to carry out independent professional management of credit card business,and set up branch marketing centers in various places.Under this model,the branch marketing centers are at the front of the risk.Therefore,the research on the credit card business risk of the marketing centers is of great significance to the theory and practice of credit card risk management.Starting from the practice of credit card business risk management,this paper aims at the front-line marketing branch centers.On the basis of relevant theoretical research,taking MS Shenyang Branch Center as an example,this paper comprehensively identifies and evaluates the risks of credit card business in different levels and stages,and puts forward feasible risk control measures based on the evaluation results.This paper summarizes the relevant research results of credit home and abroad,and sums up the definition,content and methods of credit card risk management.Based on the analysis of the general situation and risk management of credit card business in MS Shenyang Branch Center,the necessity of strengthening the risk control is put forward.This paper divides credit card business risk into organizational level risk,pre-credit risk,in-credit risk and post-credit risk,then separately subdivides them to eleven secondary risk factors.Then,according to the risk factors,a comprehensive evaluation model is constructed by using the analytic hierarchy process and the fuzzy comprehensive evaluation method to evaluate the credit card business risk.According to the evaluation results,the risk control measures at the organizational level,pre-credit risk prevention measures,in-credit risk control measures,as well as post-credit risk monitoring and feedback measures are put forward.