The Risk Management Strategy Of Credit Card Of A Bank Sichua N Branch

As a new payment means and credit instruments, with the features of cash/transfersettlement and consumer credit, credit cards are widely accepted and used now.However, along with the popularity of credit card, the risks of card using, such as fraudusing, illegal cash in, malicious overdraft and etc, keep rising. The card-relating crimeshave characters of high-tech, specialization, diversity and can be greatly harmful.Therefore, it is very important to analyze risk factors of credit card and enhance riskmanagement of credit card. This essay is to build a mathematical model in combinationwith the basic theory of credit card risk management and risk trend, then makeempirical analysis and improve risk management level of A bank Sichuan Branch.Around this topic, this essay firstly introduces credit card risk and the basic theory ofrisk management, clarify the standard procedure of credit card risk management, whichis risk recognition, risk monitoring, risk assessment, risk prevention, risk compensationand risk mitigation. Secondly, it profoundly analyses the basic characteristic, controllingmethod and business procedure of the credit card risk management of A bank Sichuanbranch. It also points out the disadvantages of the credit card risk management and itsmain causes of A bank Sichuan branch. Thirdly, combined with the bank’s credit cardoperation management practice, this essay tries to build the credit card risk managementrisk assessment model with fuzzy mathematics theories and intelligence decisionmethod (The Analytic Hierarchy Process), and evaluate related risk index with AHP andfuzzy comprehensive assessment to get the data of A bank Sichuan branch’s credit cardrisk management. Then reach a final evaluation of A bank Sichuan branch’s credit cardrisk management according to the weights of the data in the model. Moreover, thebusiness data offered by the assessment team of credit card management, experts andoperators has been input into the model to verify its accuracy and availability. Last, itmakes several suggestions such as paying attention to quantitative analysis, constructingand improving credit card risk assessment system, etc.The research of this essay is practically valuable to the credit card risk management of A bank Sichuan branch. The risk assessment model built in this essay is an importantand effective supplement to the credit card risk management and quantitative analysis ofcommercial banks.