China Credit Card Credit Risk Management Study

Since the first credit card appeared, this kind of new consumption style has become more and more popular. After twenty yeas, the distribution amount and the trading amount of the credit card increased greatly in our country. On one hand, it innovated our economy development, on the other hand, as the crimes about credit card became more and more, we have realized the risk consciousness should be woke up. According to the credit card risk management theories in our country and abroad, this dissertation analyzes the problems in credit risk management in our country, puts forward the countermeasures to the development of credit card in the way of AHP.In the first chapter, the dissertation introduces the research background and significance, the research conditions in our country and abroad, which paves the way for the latter dissertation. In the end,it introduces the research way, contents and the framework.In the second chapter, which is the theory part in this dissertation, defines the credit card and credit card risk, expounds the characteristics and the cause of credit risk.In the third chapter, it analyzes the recent conditions, the problems and the cause in credit risk of credit card. From the viewpoint of the inner risk control and the outside environment, it analyzes thoroughly and further, which has the practical sense.In the fourth chapter, which is the most important part of this dissertation, puts forward the countermeasures to the above problems. It takes it for granted that in the inner system, it should optimize credit risk management mechanism, in the outside, it should perfect the industry environment. And uses the AHP to evaluate the personal credit conditions,which can help the banks to lower their risk.The last chapter is the conclusion of this dissertation, it summarizes thoroughly and reaches a conclusion, in the end, it points out the limits of this dissertation.