Research On Performance Management Of Credit Card Debt Collection Under CBRC Regulation

The liquidity risk is the key point of commercial bank supervision. The Basel III and domestic regulators are both clearing technical requirements for the liquidity risk management of commercial banks.Credit card issuance and collection are important parts of commercial banks’ liquidity risk management. As the credit card size increases, the liquidity risk management is increasing, and adverse rate is rising significantly. The credit card issuance and collection management have become more important for commercial bank liquidity risk management. The effective collection management is a major means to reduce the rate of bad credit card.Bank performance management plays a vital role in the business management. The research on the performance management theory is getting more and more extensive, the technical means of the performance management is also increasing. Applying the theory and technology of performance management to commercial banks can make the management system of commercial banks perfect.In this article, through in-depth study of the theory of performance management, the author utilized research results to XY bank credit card collection areas of practice. According to the design of this paper, XY bank credit card center uses KPI assessment method to develop the post KPI as the main basis for the performance assessment. The concrete method is:The collection team organizes the whole operations according to the head office of credit card’s annual asset target value, targeting the monthly collection into individual goals, in order to effectively achieve personal collection target and bank credit card NPL index closely linked. At the same time according to the comprehensive performance of collectors, the bank provides different performance wages and bonuses. After verification, this scheme directly inspired the staff’s working enthusiasm, effectively reduced the rate of bad credit card, and improved the liquidity risk management level of commercial banks.According to the recent banking supervision for credit card collection management provisions, the paper put forward relevant suggestions, improve the credit system and the relevant risk information sharing system, improve the credit system and the relevant risk information sharing system, promotion of credit card insurance system and consumer protection system, enhance the prevention of external package collection business risk, bring credit card’s fees into the public, improve the technical means, adjustment of credit card write offs policy etc.The research of this paper shows that according to the banking supervision, to strengthen the credit card collection incentive target and the bank’s annual bad consistency index, with scientific and reasonable evaluation indicators to judge the performance, can improve the liquidity risk management level of commercial banks,meet the technical requirements for the liquidity risk management of commercial banks by the Basel III and domestic regulators.