Research On Credit Card Risk Control Of Industrial And Commercial Bank Of China Inner Mongolia Branch

With the transformation and upgrading of China’s financial markets, the rapid development of the credit card market, commercial Banks become, consumption is increased, the market competition is increasingly fierce. Compared with western developed countries, the credit card business in China started late, development foundation is weak, the rules and regulations to be further perfect, and lack of business experience, business quality and efficiency are relatively low, but also widely used in the extensive management pattern, make credit card risk situation is very grim, national financial order security and threat to the normal operation of the financial system.Risk control capacity to determine the profitability of commercial Banks and the sustainable development level. On this basis, the current our country commercial bank needs to focus on the question is: forming risk management consciousness, improve the system of risk prevention and control, improve the ability of risk management, it is the actual needs of external supervision, is also the necessary condition of inner development. In recent years, along with the rapid development of market economy, Inner Mongolia icbc credit card business innovation, to strengthen the credit card business market development, the credit card business development rapidly. In this process, the credit card risk also gradually exposed, entered a peak period, non-performing loan ratio and balance rise year by year, the risk control pressure increasing. Therefore, based on the research of the credit card business risk management, promote the improvement of the Inner Mongolia icbc credit card risk management framework, to promote sustained, security and stability in Inner Mongolia icbc credit card business development has the vital practical significance.This article takes the commercial bank risk management theory as the foundation, the reference credit card risk management experience and mode of business development at home and abroad, by adopting the combination of case study and normative research method, according to the different areas of credit card business, project, and the risks of a business process, classification, identification and analysis, on the basis of targeted puts forward the solve measure. This article is composed of five chapters altogether, among them: the first chapter explains the research background, purpose and significance; Is the second chapter introduces the related concepts of credit card business, summarizes the present situation of credit card business and risk analysis that the current industrial and commercial bank of Inner Mongolia’s sake in multiple aspects of the problems existing in the credit card risk management, including marketing, information technology, operations, and credit reporting, etc.; The third chapter is based on the perspective of credit risk, operation risk and fraud risk, clear the cause of the risk problem, and further analyzes the credit card management of internal defects; The fourth chapter is based on the qualitative and quantitative analysis, targeted credit risk prevention and control measures are put forward to build the risk management system, its purpose is to reduce the credit risk of industrial and commercial bank of Inner Mongolia branch, ensure the effectiveness of risk management; The fifth chapter is a summary to this article, and research prospects are put forward.