Research On Credit Card Intelligent Risk Control System

People’s requirement for life has been more various under economic globalization.Since traditional spending habits and concepts are being changed,the importance of credit cards in people’s daily life is increasing.The continuous popularity of credit cards not only brings convenience to cardholders,but also stimulates market consumption and promotes economic growth.While creating benefits for commercial banks,it also takes a lot of risks to them.Domestic economic growth rate is slowing because of the impact of the COVID-19 and many other factors in recent years,credit card risks such as overdue credit cards,fraud and cash out emerge in endlessly.In addition,with the advent of the Internet financial era,many new forms of expression have been derived,increasing the concealment and professionalism of these risks.The credit card industry has ushered in a critical period of transformation.The traditional risk control system can no longer fully adapt to the current environment.This thesis uses the basic theory of risk management to compare and analyze the current situation of credit card risk control system at home and abroad.Based on the combination of theory and practice,Taking bank I as a sample,this thesis further studies the current situation of credit card business risk management system in China.Identify the weakness and deficiencies of current risk management system,and try to improve it by combining some new technologies such as big data analysis.This thesis uses a variety of methods such as literature study,theoretical research,and case study to analyze how to effectively improve the risk management system of I Bank’s credit card business,and proposes an implementation plan.Starting from the risk management organization system and the operation process of risk management strategy,the research summarizes the current situation of the application of big data risk control in bank I’s credit card.Through the application of big data information in bank I’s current risk control system,it reflects the risk change under the current economic environment,and shows the application of big data risk control in contemporary commercial banks.It can be seen that the traditional risk control mode of commercial banks has been transformed from the traditional risk control mode to the information and intelligent risk control mode.The existing problems of credit card risk management in bank I are discussed.This thesis finds that there are specific problems in marketing,pre-lending,lending,post-lending,communication and monitoring aspects of credit card risk management in I Bank,and there is some room for optimization and improvement.According to the problems found,combined with the technical characteristics of the big data era,reference is made to the improvement of risk management system and the innovation and development in the application of big data by domestic and foreign commercial banks.This thesis proposes an improvement plan to the credit card risk system.It aims to include a comprehensive personal information management database,building a risk information sharing platform,applying some new financial technologies to improve the customers’ risk profiles,building a whole-process prevention mechanism,strengthening the dynamic monitor during the customer’s life cycle,improving the post response mechanism of credit card risk,increasing the collection efficiency through the online collection,enhanced communication monitoring methods and the like.