Risk Management Of Credit Card Of A Bank S Branch

credit card business is one of the strategic business, strengthen customer base, binding customers, expand the expansion, stable deposits, creating close comprehensive role. In the third Plenary Session of the 18 th CPC Central Committee pointed out that the next few years China will actively expand domestic demand, in support of relevant policies, China will become the world’s largest retail consumer. As an important consumer financial products credit card industry, the future will have infinite opportunities. At the same time, with the advent of the era of big data, the interest rate market, the diversification of customer needs, credit card product homogeneity, the development of Internet banking, the rapid rise of the third party payment, as well as the customer’s low cost of default, the world economy the downward track, the short term is difficult to rapid prosperity, which gave the credit card risk management has brought great challenges. Therefore, to deal with the risk of credit card, will be the future development of each bank crucial.This paper starts with the commercial bank under the current economic situation in China credit card risk management background, firstly the domestic and foreign commercial bank credit risk management related theory and research are expounded, which make the empirical analysis, taking A bank S branch as an example, describes the A S branch of bank credit risk management present situation, elaborated at present the bank’s credit card risk management methods and measures, analysis of problems and causes of the existence of credit card risk management, from the practice of feasible countermeasures and suggestions, list of measures and measures; to show the current commercial bank credit risk management experience in finally, emphasize the importance and necessity of the credit risk management of commercial bank business stable sustainable development; use A bank S branch current situation, reflect the mainstream business of China Ye Yin Line in the credit card operation and management of the common phenomenon, and put the theory into the practice of credit card risk management, the expectations of China’s commercial bank credit card risk management to improve the optimization of reference.