The Use Of Credit-scoring Model In The Management Of China's Commercial Bank Credit Card Risk

The risk is the one of the basic attribute that business of the credit card and the organization of issuing the credit card are engaged in the financial activity. The risk monitoring management is the core content which each kind of credit card organization is engaged in the complete service and management. According to the credit card business practices of development country and regional bank, the risk management run through on the whole course of credit card business and all services development take guards against the risk as the core.Since credit card came to our country in 1985, in short 20 years, it has got a rapid development. At present, Credit card has become the bank's expected profit growth, but as China's personal credit system is not yet perfect, with the credit card's rapid growth, the criminal activities of credit card are growing and growing. Strengthen the personal credit assessment methods and targets of the study, may greatly reduce the criminal activities of credit card and promote the credit card's healthy development, so the study is meaningful for both realistic and theoretical study.In this paper, on the domestic and international personal credit assessment of the contents of detailed analysis and comparison, accordingly establish the credit assessment index system of the China's actual situation.The paper has six sections. Firstly, this part figures these topics about the background, necessity and significance, thinking and methods for research,writing ideas and content system of the paper. Secondly, this paper looks at some theories about credit card. In the third part of this paper, analyze the basic factors of conditioning the development of the credit card's risk management of our country's commercial banks. The chapter four is about the theories of the credit and the credit assessment. In the chapter five, the personal credit-scoring of our country's commercial banks'credit card business.The last part of this paper is about conclusion and prospect. The fruit and innovation of this study are stemmed up.Then, I analysis the inadequate points in this part. Finally, the development prospect of credit-scoring models in the commercial banks of our country is pointed.