Bank Credit Card System Of Risk Prevention

Modern credit card is essentially a cycle of consumer loans,since its inception in1946,credit card in the world has been tremendous development,foreign bank credit card sector has become important to the profitability of the banking sector, revenue from credit card business as a bank intermediary business an important part of income.However,in a time of rapid growth,domestic credit card business is also experiencing an increasing number of risks,including credit risk,operational risk, technology risk and legal risk.However,in a transition phase of restructuring and Commercial Bank of China Please credit risk management in the absence of systematic risk management mechanism.In this paper,credit risk,operational risk management two aspects of risk management of credit card business were introduced to our credit risk management, credit card management in our country to carry out an analysis of the cause of the problem,credit risk management in China the existence of these major issues,to build a scientific system for credit card enterprises to guard against internal risk management system.Paper attempts to study abroad for credit card issuers in the internal risk prevention, the impact of the crisis on China has a certain reference.