The Study On Credit Card Risk Management Of A Bank Shaanxi Branch

As a new payment tool and credit measure, credit card is very popular. It is characteristic of the payment balance, consumption credit and using conveniently. But, with the enlargement of credit card market, credit card risk happens more and more frequently, and it shows the characteristic of wide involvement, various kinds and huge damages with the further development of credit card business. Therefore, it is especially necessary to control and manage the credit card risk.This paper discusses the credit card management problem of A bank Shaanxi branch combined theory with demonstration, quality with quantify. Around the theme, firstly, starts with both the concept and target of the bank card risk, It builds the systematic bank card risk administration process ,that is risk recognition, risk valuation , risk prevention, risk monitor , risk treatment and risk acceptance. Secondly, It analyses the situation of bank A ShannXi branch credit card risk management and point out the problem and reason. Thirdly, combined with situation of bank A ShaanXi branch, some modern mathematics theory (fuzzy mathematics law) with intelligent decision-making method (step analysis) , the paper builds the model of risk valuation that applying to the bank card risk administration . It put forward the manage measurement of bank A ShannXi branch credit card risk management. It use the method that AHP combines with fuzzy comprehensive appraisal to evaluate credit card risk, that is, weight of factor compared with objective layer is decided by the method of AHP. Finally, A bank Shaanxi branch actual data the model needs is provided by the A bank Shaanxi branch credit card management subject management level, the outside expert as well as internal staff form the appraisal group together. Then with the aid of the example, the risk assessment model's accuracy and the validity is confirmed.The content in the studies has the higher theory value to the A Bank of Shaanxi branch credit card risk management, the constructed risk assessment model has the important reference value to all commercial banks' credit card risk management including the A bank.