Research On The Risk Management Of The Credit Card In Rural Small And Medium Banks

As economic globalization intensifies, credit card, which is an efficient, convenient and advanced payment and settlement tool, becomes more widely accepted around the world. This is accompanied by the growing complexity of credit card risk, increasing the risk loss. Credit card risk management has become the core technology and basic survival of commercial bank credit card business, especially for rural small and medium banks. This article starts from Ningbo Yinzhou Rural Cooperative Bank Credit card risk status and the existing problems. By compared with other good banks, the research analyzes pressing problems of the Ningbo Yinzhou Rural Cooperative Bank in credit card risk management in-depth, and makes countermeasures for Ningbo Yinzhou Rural cooperative bank credit card risk management. The main contents are as follows:The first part is about research background and the meaning, and research problems are proposed.The second part is about the concept, causes, features and types of credit card risk, then related model theories of credit card risk management are summarized.The third part analyzes the status and existing problems of credit card business in China, then credit card business status and problems in risk management of Ningbo Yinzhou Rural Cooperative Bank are also analyzed.In total, the credit card business of Ningbo Yinzhou Rural Cooperative Bank is generally developing well, but some problems occur in credit card risk management aspect, which need improve in the future.Empirical approach is used in the fourth part. We build credit card project risk assessment model of Yinzhou Rural Cooperative Bank first. Then on this basis we conduct the quantitative analysis of risk degree and sorted significant degree of risk points of credit card project. Then credit card risk management is based on it.The fifth part is a summary of above analysis, and policy recommendations are proposed against credit risk...