Study On The Risk Management Of College Students' Credit Cards

Credit card, as an emerging medium of payment and credit, is the production of banking business and modern science and technology. It is well received with advantages of payment, settlement, consumer credit and convenient, reliable application among college students. Therefore, the scale of credit cards has expanded rapidly in the market of university students. However, with the development of college students'credit cards, the frequency of credit card risk becomes higher and higher, and the loss greater and greater; thereby, the concern about the credit card risk management is growing day by day in Chinese contemporary economic development.This thesis studies on the special group of university students, beginning with an introduction on the creation, development and its current situation of the university credit card, and then analyzes the risk of credit, manipulation, deceit and legislation in term of its marketing environment. At last it points out that risk management is not risk avoidance, instead of pursuing the most effective combination between risk and profit, and proposes the principle and strategy of risk management among the university credit cards to promote the sound and rapid development of college students'credit card industry.Although the market of credit card of college students is facing aboundant risk factors and uncertainies, the furture development is enormous. Every bank in China should explore the market of consumption of college student credit card, facilate the using environment of college student credit card,to manage the credit card rist of college students.Only in this way can we build the beautiful future of college student card market.