Control Of Credit

Our country credit card service grew out of nothing, experiences the quick development, the market size expanded rapidly, sends the card total quantity to surpass 100,000,000, becomes growing is the quickest, and the biggest development potential market in the global credit card Market development brings the competition to intensify, each round of card line competes to the customer community day by day intensely. Under this kind of expansion marketing's background, the university student community relies on high characteristics and so on quality, high growth potential to become each round of card attention , various Commercial bank steps in the university student credit card market in abundance. But as university student lacks the fixed income, the repayments originates mainly relies on the student guardian's characteristic, causes the university student credit card credit risks to be big, the managed cost to be high. Therefore, the university student credit card risk's research has the strong theory significance and the actual guiding sense to this community credit card service's health sustainable development.In this paper, through elaborating upon the domestic and foreign credit card business's history, combing through the credit card risk management theory, analyzing present Barthel framework agreement credit card risk type, combined with The Three Gorges University student credit card case, and contrasting with the South Korean credit risk management experience and lessons, it suggested that banks should commence with raising the level of internal management and improving the environment outside the system, through establishing the rational organizational structure , the sound evaluation mechanism, the norms marketing channels, the reasonable drafts examines the flow, the flexible credit policy, the variety of collection mechanisms, the sophisticated control methods and so on to consummate the risk management system. After diagnosis Three Gorges University student credit card this case, the author thought that it has some problems in the management system, the way of sending the cards, the letter drafting verification, the letter given policy, the dunning means and the exterior credit environment aspects in the domestic college students credit card business. This article attempts to propose some corresponding policy and suggestions to consummate the college students credit card risk control and the management, from the organization construction, the flow restoration, the credit environmental construction, the bad debt cancels after verification the system and so on many stratification planes...