Research On Credit Card Risk Management Of Inner Mongolia Branch Of State - Owned Commercial Bank

Along with our country economy development and people consumption idea change, credit card has become a more and more people to use the consumption of financial instruments, but it is accompanied with the risk of a credit card in use is also increasing. Because of the development of credit card in our country just start, analysis of credit card risk also belongs to the primary stage, in view of combining quantitative qualitative analysis method to further study of credit card risk appears the reason, at present in our country has not yet formed a complete research system. So, this article from the perspective of domestic and overseas existing credit card risk management theory and methods of learning, through the state-owned commercial bank X branch of Inner Mongolia credit card risk management present situation, problems and reasons analysis, especially for the branch credit card risk evaluation and influencing factors of the size of the order, establish X state-owned commercial bank credit card risk management plan and method system of Inner Mongolia branch.In this paper, in addition to the introduction, the main content includes the following several parts:The first part is the second to the third chapter, this is the related theory foundation and the foreign experience. Among them, the second chapter expounds the formation of credit risk factors as well as how this article classify credit card risk management. At the same time, through the description of how the credit card risk management process and the ultimate goal of credit card risk management are put forward. The third chapter mainly introduces the credit card risk management practice of the United States, South Korea and Taiwan area, background and cause analysis of crisis, has the certain enlightenment to the domestic credit card risk management.The second part is the first four to chapter 6, it is X state-owned commercial bank credit card risk management case analysis of Inner Mongolia branch, is also the focus of the full text. Among them:the fourth chapter X state-owned commercial Banks at present the status of the credit card risk management in Inner Mongolia region, at the same time, tells the story of the region formed in the issues of credit card risk management as well as the factors of the problem. This chapter analyzes believed that X state-owned commercial bank branch of Inner Mongolia in the credit card risk management risk management consciousness management thought lag, the goal is not clear, backward technology, low quality of the staff, and such problems as lack of co-ordination between Banks, the main reason is that the macro economic cycle and the national policy, imperfect laws and regulations between business development and risk management, backward technology and the influence of various factors such as the contradiction between. Fifth chapter through the establishment of the state-owned commercial bank credit risk evaluation model for X, Inner Mongolia branch credit risk evaluation, and through the analysis of the bank credit card risk factors on credit card risk project order. Chapter 6 for state-owned commercial Banks improve X Inner Mongolia branch credit card risk level and put forward specific risk management scheme design, and implement the plan. This chapter on the basis of the first two chapters about the credit card risk management problems cause analysis and the size of the risk factors for sorting, points out that only the correct understanding of credit card risk management, the formation of strong measures to strengthen internal control and through the bank credit risk evaluation index to make risk management system in the internal commercial Banks will be further improved. Step by step at the same time credit legal system, perfect the current personal credit system and strengthen credit consciousness education to improve the external environment of commercial bank, thus achieve the purpose to solve the problem. Through the part of case analysis and theoretical elaboration, will enable China’s commercial Banks to find can reference and feasible credit card risk management plan.The third part namely chapter 7, is to the full text of the summary and prospect for further research. This part summarizes the research content of this paper is mainly manifested in three aspects:first, learn the advanced experience of abroad and other parts of the credit card risk management, analyzes the state-owned commercial bank in Inner Mongolia branch X factor of credit card risk management related problems, and points out the methods and measures to solve this problem. Second, to establish the quantitative data in the credit risk evaluation model for the analysis, using the qualitative analysis in this paper, the credit card risk management level, combined with the quantitative interpretation of the data model. Third, it is pointed out that a sound system of commercial bank credit risk internal control, and improve the operating environment of the commercial bank credit card risk management framework. At the same time, the part of this paper case analysis in the interpretation of such problems as the cost of credit card risk management is discussed.The innovation of this paper are:(1) is the research content of innovation. This article will, in comparison with domestic and foreign in credit card risk management through the establishment of quantitative analysis of the data model on credit risk evaluation, in-depth qualitative analysis of credit card risk at the same time, this article on the content more rich. (2) is the study of form innovation. In this paper, through theoretical analysis and research, combined with the reality of our country, according to the author’s own work experience and work environment, put forward the Suggestions and methods to solve the problem.