S Rural Commercial Bank Online Personal Credit Card Credit Risk Analysis And Countermeasures

After more than 30 years of development,the credit card marketing and issuing mode of domestic banks has become increasingly mature.The types of credit cards issued,the number of cards issued and the amount of credit card transactions have all increased significantly.With the annual changes in the economic environment,the competition in the rural market has become increasingly intense.In order to gain a foothold in the market and achieve sustainable development,rural small and medium-sized financial institutions such as agricultural and commercial banks need to constantly explore and innovate,and develop other businesses beyond traditional business,such as precious metals,wealth management,credit card,etc.,to enhance their core competitiveness,meet market demands,satisfy customer needs,and achieve business diversification and sustainable development.In this environment,S Rural Commercial Bank,in order to achieve the rapid growth of card issuance,actively expanded its marketing channels and followed the development trend of the Internet.In the past two years,online card issuance channels have been launched to simplify materials and facilitate procedures.The implementation of this extensive business has led to the deterioration of credit card overdue default.This thesis analyzes the main risk causes of S Rural Commercial Bank’s online credit card business in detail,analyzes S Rural Commercial Bank’s online card issuance process system,and tries to find out the risk exposure through the literature research method,individual interview method,case analysis method,and other banks’ advanced credit card risk analysis and management methods.The main reason is that the extensive marketing mode of online card issuance is not perfect in audit,process,personal credit system and macroeconomic environment.Analyze the deficiencies of S Rural Commercial Bank’s collection process and collection application measures,and put forward corresponding countermeasures and suggestions.It needs to be improved from four aspects: First,improve the system,establish a sound access system,and control risks from the source.The second is to monitor card usage in real-time and provide timely risk alerts.The third is to strengthen training to improve staff quality.The forth is to enrich collection methods and improve collection efficiency.