Research On Credit Card Risk Management Of Commercial Bank In China

Credit card this universal modern electronic monetary and financial products, with its high income is affected by the Chinese and foreign commercial bank’s favor. As an emerging industry, credit card in China have been kept explosive growth. With the increase of its issued volume, the hide huge risk also spending increased at the same time.How to let the credit card business can both health and stable operate to preventing comprehensive risk, has become the domestic commercial banks’facing problems.With the concept of overdraw consumption widely spread and business banks active marketing strategy, China’s credit card business has increased dramatically. By the third quarter of2011, China’s credit card issued quantity has accumulated268million.The credit card business made rapid development in China, but the risk control and the risk management ability is weak, the lack of scientific unified risk measurement methods and tools, unable to accurately measure the borrower risk and risk of products, it is still impossible for credit effective scientific management. So analysis the present situation of credit card risk management, the influence factors and the management method, not only has theoretical significance to the domestic credit card business development, but also has the important practical significance to domestic commercial bank credit risk management.Credit card business not only reflect personal consumer credit strictly, but also related to the safety of the bank credit. Because credit card will not only make the individual risk suffer a loss of commercial banks, but also would be reflect the national credit foundation; not only influence the lack of personal credit record, but also affect the reputation of the commercial banks. Therefore, this paper use qualitative and quantitative, combining theory with practice and comparative analysis methods, discussing how to perfect our country’s credit card risk management thoroughly. Paper expounds the basic theory of the commercial bank credit card risk management, according to the current situation and existing problems of credit card risk management,using he Logistic regression method to construct a used to quantify the applicant credit risk model. On this basis, according to the bank of credit card business of actual operation data on our country’s credit card on credit risk management of empirical analysis, provide the reference to the work of examination and approval of the banks. Then the paper analyses the mature experience in the credit card risks management of United States, Japan and Brazil,from the commercial banks internal control and perfect their management, government to the credit card industry’s push and legal and social credit registry system consummation aspects to our credit risk management of the concrete implementation provides reference. Finally according the analysis of the above, from perfect commercial bank credit card the external and internal risk management of the two big put forward the further perfect our country credit card risk management countermeasures and suggestions, purpose of which is to engage in credit card business guide domestic commercial banks in the chase benefit maximization and also to do risk prevention maximization.