Research On The Management Of Bank Credit Card Anti-fraud

As the most popular of Non-cash Payment Instrument, bank card offer people a better payment method and efficient payment services in recent years. Along with the rapid development of bank card, there are more and more risks taking place, for instance, credit risk, fraud, fake card etc. it lead to tens of millions of Yuan in losses, and increase year after year.In current dire circumstances that criminals perform false and fabricate applications professionally, it is practicalIn this paper, the integrated use of systematic analysis and theory with practice methods, combining comparison and induction, base on credit risk management experiences of Shandong CCB, refer international risk management experiences, to research how to control credit risk management and Anti-Fraud management under the complicated commercial situation. There are many typical cases and data of Shandong CCB used. The paper introduces bank credit card Anti-Fraud management and significance, to analyze characteristics of Anti-Fraud application, for example, false application and fake application information, and false name, ID etc. it is possible to get ID and qualify certification that improperly obtained.According to characteristics of Anti-Fraud application, carry out targets of Anti-Fraud management, check by front sales control, Middle certificate checking and filter and Check following risk in the3procedures of front, middle, later. Due to target setting, find defects one by one and summarize management defects in Anti-Fraud management of Shandong CCB, behindhand managing mechanism, inadequate system and legislation, card holder weak awareness etc.The paper analyze characterize and reasons for each defects, then researching deeply, offer5countermeasures to build Anti-Fraud management system of credit card. To built scientific concept of risk management, set up entire Inner Control System, better information investigation and legislation, card holder awareness etc. there are new idea and method to research bank card Anti-Fraud management, also benefit accuracy of bank card issue and application confirmation, to prevent from Anti-Fraud and false risks.