Study Of College Students Credit Card Risk

Since September 2004, Guangdong Development Bank-issued our first college credit, domestic college credit card business. From 2004 to 2009 for the five years, University campus became the genre of commercial bank credit card business of the Strip, Chinese College as a consumer's credit card for special groups, also deeply experienced college student credit card from the brilliant individual moments. In the meantime, various commercial banks are issuing object for university students, has launched a variety of college credit. In the meantime, various commercial banks are issuing object for university students, has launched a variety of college credit. Accompanied by a college student credit card issuing of growing, college students hold credit card users, the credit card with the increasing popularity among college students, college students in "card family group" of risk indicators - delay rate on a yearly basis, defective in college student credit card. College credit card promotion for commercial banks to increase market share and increasing risks.2009, most of the commercial banks had suspended some college credit card business, bank improves and approval threshold. On college credit risk of becoming a commercial college credit card business.This article from the start of college credit card phenomena, analyze student credit card history and status. Credit card in our students the time compared to the United States is not very long, but it has already begun on the consumption of an effect, compared with the traditional concept of consumption, consumer credit card have a new idea is gradually being accepted by some university students. More and more students gradually start taking credit card features for consumption.For banks, college student credit card is a commercial business, profit and profit potential is extending the root cause, this college credit card business profit and loss model, analysis of the business source of income and expenses, including, outstanding credit balances and college credit card breach rate is college credit card business profits. Each commercial bank in determine whether for college credit card business, you can reference the accumulated data to calculate the profit and loss of college credit card business and assets of the profit margin. In between risk and return to seek the most effective combination, and the use of effective risk control to promote the industry better development, in the pursuit of profit maximization.From the perspective of college credit card requirements, our various higher education students overall scale over 2900 million people, college credit card rate generally is not high, compared to American College students more than 80% of the card rate, there is great scope for development. Use the accumulation of personal credit tools - credit card will allow college students to emphasize your credit record, on-time repayment, not only strengthens the integrity awareness among college students, responsible, has college students are social consciousness, to be responsible for the society. College credit for the carrier to enjoy convenient financial service, when college students for consumption or sudden financial crisis service, they can use credit cards for students in need of service, without thinking about it but no solution. Along with the students on the credit card business, feature uses the familiar, students need a credit card will increase rapidly. At the same time, college credit risks as loan size increases. Commercial banks meet college students on credit card use the features of different requirements, the kind of college credit card be segmented, meet the needs of college credit card use; at the same time through a customer's use of the card, will risk segmentation, continuous improvement and correction of college credit card application conditions and restrictions, to reduce the default risk, develop potential customers, help students cultivate good financial management philosophy, establish a perfect personal credit file system, in the best meet customer needs, promote the stability of the basic customer base and market share steadily improving.In college credit risk identification section, first look up the risk of college credit card type, and then use the approach on 287 research samples for data analysis, by students in the use of the behavior of the credit card to identify the risk of producing credit behavior characteristics of the students. From College on the credit card of cognitive-behavioral, cardholder behavior, consumer behavior, repayment behavior, potential demand five aspects of the college credit risk sources and characteristics. For the Chinese college credit risk characteristics, in the United States college credit and risk monitoring scheme and college credit and risk monitoring programs, American Defense College credit risk of effective methods and measures, from the system, mechanisms, policies to control the Chinese college credit risk and policy measures proposed.