| Since the21st Century, China’s bankcard business has developed rapidly with agradually mature social and economic environment, and a credit card businessenvironment,focusing on market demand, product line improvement, productfeatures enrichment. However, with the rapid expansion of the cardholder and thetrade volume, the risk has constantly got exposed which result from the extensivebusiness model at earlier stage. The safety problems, which have becomeincreasingly serious, could result from various business sectors, however, we haveto point out that, safety development of this business got largely restrained due to thebusiness resource (for the first line of winning the customer management, themiddle review management, background monitoring management), verify andqualification skills, and also the relevant laws.Based on such a context, taking Z Bank Credit Card Center as the object ofstudy, by means of theoretical research, case analysis, data model, business processesin-depth analysis, we try to find out the problem in their risk management in Z Bank.Firstly, Based on the requirements of risk management, The relevant organizationstructure should be optimized; Secondly, Risk management in various departments toform a linkage effect; Thirdly, In the operation of passenger flow behavior needs tobe further standardized; Fourthly, in Credit audit work, Credit scoring model,business support system still needs to be optimized; Fifthly, Management after loanhas not yet formed a complete and scientific service chain.Based on the operation practice, the business strategy of “The whole processrisk management” is put forward here. The Credit Card center of Z Bank can startfrom Organizational structure adjustment, System construction， Systemtransformation，Scoring model optimization，performance appraisal system，repairthe loophole risk management，and enhance the overall level of risk management，to lay the foundation for the stable development of Z bank credit card business for along time. |
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