Study On Risks Control Of Credit Cards Of ICBC Guangzhou Branch

After 20 years developed, credit cards do as a useful means of payment, were adopted by most citizens. Credit cards are facing more and more challenges now. On one hand, credit card is a loan business without cash deposit. They are warmly welcome by consumers. The tendency of card business is upwarding. It's inevitable that overdrawing and cheating occured.. On the other hand, as one of the most earnest business of International Finance, credit card business is running by most multi-financial enterprice,inhancing the keen competition. How to control the risks of credit cards is very important to a bank to earn their profits and cut their losses.In this article, we introduce the origin of credit risks, as far as the kinds of credit probloms. Then we analyse the situation and drawbacks of our credit management.. Through the study of foreign experiences, we give 5 advices to control the potential credit risks.