Credit Card Risk Management And Countermeasure Of Bank Of China Jilin Branch

China's current credit card industry has entered into a fast development period, regardless of the size and function of credit card is undergoing changing, these put forward higher request for credit risk management work. The credit card is a high-risk, high yield, how to realize credit card's balance between profit and risk of commercial bank has become the problem. This study facing the actual problems from the bank of China Jilin branches in the credit card business development, trying to find effective ways and measures to solve problems, not only to the bank credit card business development of Jilin branch has theoretical and practical significance, and to promote our country commercial bank credit risk, especially the state-owned commercial bank management also has important realistic significance.This study combined with credit card business of Bank of China Jilin branch. First, indicates the main problems of in the risk management of it in the show, that is credit management policy too loose, basic line card practitioners execution system lacks seriousness, check of credit card business is not often and deep, credit risk assets collection is inadequate, preventive measure of risk of credit card is insufficient.Secondly, this study aiming at cause of the problems in the management of credit card risk of Bank of China Jilin branch, that are analysed and discussed from the macro and micro levels.?The analysis of the causes in the macroscopic level,?the author thinks that restrict the implementation of effective risk management include the influencing factors, national macroeconomic situation,?credit legal system is not perfect,?the financial regulators to fully exert the function of supervision,?china has established perfect social credit system,?credit system is not perfect etc.?The analysis of the causes in micro, the author?clarify its negative influence in the credit card risk management of Bank of China Jilin branch from the information asymmetry and without proper risk management concept and credit card management system is not perfect and untapped statistical analysis system of credit card risk management etc.Finally, based on the objective analysis of the existing problem in credit card risk management of Bank of China Jilin branch, the author thinks that the way to solve the problem includes two aspects, One is to sound credit card risk management system of Bank of China Jilin branch, another is to build up a good external environment for the development of the credit card. In perfect credit risk management system, the author respectively come up with Strengthening risk culture construction, to accelerate management and use of credit card data information, to accelerate the construction of non-performing assets collection team, to strengthen the publicity and education to card owners, to strengthen the management of special merchants, to strengthen dnamic management, to strengthen the supervision and management of risk assets, to strengthening the collection of non-performing assets, to sound credit card risk compensatory mechanism, to strengthen management of cancel after verification of bad assets in advance the risk management and t he risk management and afterwards risk management operation. In constructing a favorable external environment, the author come up with some imagine for improving the credit card industry development environment, as follow, to perfect regulations construction, to strengthen the social credit system and personal credit system construction, to relax provisioned cognizance conditionsand to add autonomy of processing bad overdraw of credit card business , to increased supervision of the financial industry supervision and administration department etc from national macro management level.