Study On Credit Risk Control And Management Of Chinese Credit Card

At present, the credit card business it is in a position of high-speed growth stage, However, when we see the laws of credit card business of other countries, we can find that this stage is the time when we have to keep sharp alert to ceredit card industry. By comparing Korea and American credit card management experience, this paper holds that the successful credit risk management owes to a whole credit card risk defense system, which contains marketable managerial mechanism, strategic administration mechanism, intensive management pattern, smooth operation process, perfect law system and supervision system, developed social credit system and nice credit culture. The inner control of credit risk by the bank and the outside environment are two requirements, and none of whem is dispensable. The author studies the present condition of Chinese credit risk management, and tries to analyse existing problems. This paper considers that there are problems in organization system, management system, operation pattern and operation process,which enlarge the credit risk of the credit industry; on the other hand , we has not established perfect law system, supervision system, social credit system, and has not formed good culture, which bring about latent risk. At last ,the paper puts forward corresponding countermeasures and policy suggestions on these question.