The Research Of Risk Management In Credit Card Business China

From the beginning of the 21st century, Chinese commercial banks'credit card business in issuance volume, trading volume and card using has developed significantly. With the dramatic increase of credit card quantity and the frequency of card transactions, the credit card loans have emerged a growth spurt. However, the risk management of credit card business is becoming worse and worse. Credit risk, operational risk, fraud risk and other risks become more prominent in diversified types which become key factors to constrain the rapid development of credit cards. How to manage the assets quality and control the risk of credit cards becomes a big challenge of issue banks.The thesis focuses on the study of the management of credit cards'asset quality and risk management based on the development situation and characters in domestic credit card business. First, summarize, classify and analyze credit risk, operational risk and fraud risk. Secondly, forecast and estimate the development trends of credit card risk. Finally, explore the risk management strategies and make corresponding proposals of credit card risk management.