The Research Of Credit Card Operational Risk Management For Bank Of China X Branch

With the rapid development of the credit card business, all kinds of feature-rich credit cards has been gradually accepted by more and more urban and rural residents, not only brought great convenience to the people's daily consumption of life, but also enhanced the public civilization and promote the social economy, now credit card has development from fashion to a usual consumption. The credit card business has become the core business and the main source of profit for commercial banks. For banks who take the credit card business as the major expansion, the operational risk management is still in a relatively low level, resulting in the rapidly increasing number of bad debts, malicious overdraft, fraud and other acts.From the perspective of credit card operational risk management, collect and study the theory and methods of credit card operational risk management at home and abroad, elaborated the meaning and purpose of the research of operational risk management of credit card, research status at home and abroad, theoretical basis of operational risk management, take Bank of Chinaâ…©branch as an example, for its deficiencies in management, apply the management, finance and other theoretical knowledge, through research and analysis, comparison, put forward the improvement program of operational risk management for Bank of Chinaâ…©branch, including operational risk identification and assessment, operational risk control and release, monitoring and reporting of operational risk, hoping this can play a role of escort for the development of Bank of Chinaâ…©branch.