The Analysis Of Credit Card Risk Management

As a special industry and a special consuming product, the credit card bears the characteristics such as high risk and high profit as well as scale economy, while the sense and ways of its management is quite different from the traditional banking business. The industry of Credit Card in China is in a highly development stage with large scale business extension. However, from a view of the average administration level in the whole industry, the management experience is lacked. Therefore an analysis to the current situation of the credit industry in our country and presentation of some relative measures is found to have specific practical value for the promoting of the construction of the frame of risk management as well as a continuous, steady and healthy development of the credit industry for Chinese commercial banks.This thesis tends to have a brief conclusion and summary for the organization construction, product service and market status by reviewing of the history of credit industry; an analysis of the supporting factors for risk management in credit industry by evaluation of the risk status in the fields of constructive guarantee, technical guarantee and external guarantee; a conclusion of the measures and specific methods of the risk management of the credit card from the experiences and lessons of the Chinese Credit cards development history. At last some practical schemes and models for administration and evaluation are presented for the reference for the administrators.