Research On Credit Card Business Risk Management In Z Branch Of The L Bank

Credit card business,as a kind of pure credit,fixed-limit,revolving micro-credit product of commercial banks,has been developing rapidly in recent years in China’s commercial banks.With the rise and popularity of network payment,credit card has also been developed at a high speed in payment and settlement.While credit cards provide convenient credit funds and rich payment and settlement needs,the various risks faced by commercial banks’ credit card business have also become increasingly prominent,and the increase in credit card accounts and transaction amounts has been accompanied by a significant increase in the number and amount of overdue accounts.In order to maintain the sound development of credit card business and maintain the stability of financial order,credit card risk management has received great attention from commercial banks.Z Branch started to issue credit cards in 2011,and the late start and slow development of its business,as well as its strategic planning to expand the market scale,have led to a year-on-year increase in the overdue rate in recent years.Combined with the decline of credit level of the whole industry caused by the economic downturn,the construction of credit card risk management system of Bank of L Z Branch is urgent to improve,and the risk management level needs to be improved urgently.Based on the comprehensive risk management theory of commercial banks,information asymmetry theory and credit card life cycle theory,this thesis analyzes the risks and presents the risk problems in the three links of pre-lending,lending and postlending through the current situation of credit card business of the bank,taking credit card risk management of Z Branch of L Bank as the research theme.In the pre-lending risk identification section,based on the bank’s credit card historical data samples,the characteristics variables are selected from three aspects,such as credit card customer’s characteristic information,customer’s solvency,and customer’s willingness to repay,etc.,and the logistic regression method is used to construct its default probability model,and the risk score card model is proposed,and finally the risk factors affecting the default of individual credit card are derived,and in the lending risk measurement and risk monitoring In the segment,the dynamic risk measurement system in lending is proposed based on the scorecard model combined with credit management,information management and risk transaction management,and the optimization content is proposed based on the construction of technology enhancement,monitoring and reporting mechanism from the problems existing in the risk monitoring in lending.In the post-loan risk disposal segment,the optimization and improvement plan is proposed from the optimization of non-performing assets disposal process,system construction and personnel capacity enhancement.Finally,from the actual situation of risk management of credit card business in Z of L Bank,the expected results are derived and safeguard measures are proposed in conjunction with the risk management model of the thesis.The overdue effect is proposed in three aspects according to the comprehensive risk management process:improvement of risk identification ability before credit,improvement of risk management level during credit,and increase of disposal results of non-performing assets during credit.Meanwhile,safeguards are proposed in four aspects,including strategic safeguards,technical safeguards,personnel safeguards,and assessment safeguards.