Commercial Bank Credit Card Business Credit Risk Control

Ever since that time June in 1985 Chinese bank Pearl River the branch office published the first credit card in the domestic, accompany with economy of fast growth and society of show a progress, our country bank card the industry be flown to develop soon.Currently, the our country hinterland delivers card organization already more than 130 houses, the bank card issue total amount has already broken 1,000,000,000 open widely a pass, the year trades total amount more than 50 dollars, among them, the credit card amount is about 40,000,000, credit card trade total amount is 240,000,000,000 dollars renminbi;Credit card overdraft surplus amount nearly 15,000,000,000 dollars renminbi, the comparison which overdraws a total amount to have personal consumption letter loan has already attained 10%.From this, the credit card is a kind of vivid and convenient reputation loan, having already been more and more welcomed by consumer, the credit card loan will become the important form which consumes letter loan, playing a more and more important role in personal letter loan market. But, because of the business characteristics of credit card oneself, Be bringing bank high income to also bring huge risk.Since a near period, the bank card overdraws phenomenon to present badly fast growth trend.The bad overdraft takes up a bank funds over a long period of time, will result in very strong risk to the business management of the bank.The risk output main reason of the this text analysis credit card, and put forward some guard against measure.The writer thinks that the risk category of the commercial bank credit card is more, drawing lessons from Basel to negotiate lately, can induce for three big type:Credit risk, market risk, operation risk.The writer in text carries on to the main aspect-credit risk of credit card risk in the work analytical, point research because of bank and the information dissymmetry of the card holder's, produce personal credit risk that the reputation imperfection becomes thus.Still pass researches such as supply rule and the information dissymmetry theories in the information economics etc. of drawing lessons from the domestic and international management economics insight in the text, carry on analysis to the main risk-credit risk within process of the credit card business, and study a body to deliver card organization and the information dissymmetry of the card holder's a problem now, then trade both parties always have 1 to obtain a not complete information, this problem is the main reason which becomes a card holder to break contract risk.The writer thinks and guards against in the meantime with evade the credit risk of credit card business, can adopt of the strategy can generalize for the following a few aspects: Gain confidence system with perfect nation while ising an establishment;Two is the influence which passes a vivid interest rate policy to remove credit risk;Three is the commercial bank hair card organization the process is in response to the perfect credit card business and strengthen risk to defend to control means, this is lower a card holder to break contract risk to then lower because the default results in of the bank property lose of key means.