Research On Risk Management Of Credit Card Of China Everbright Bank

Since 2003, just a few years time, the credit card market in Chinese from toddler has quickly grown into a more than 400000000 cards in circulation in the market, and gradually becomes a "blowout type growth". Strategic transformation of commercial banks make the credit card has become the focus of the competition, but the credit card business risk characteristics of the issuing itself and the rapid growth of excessive marketing, all the credit card business of commercial banks profitability challenges, this makes the credit card business risk management is becoming the focus of domestic industry sustained attention under the new situation, how to deal with the risk of credit card becomes a subject of study.This article from the credit card business risk classification, Everbright Bank as an example, analyzes the characteristics of credit risk and the related theory, reveals the concept and meaning of risk management should be followed.Then this paper detailed analysis of the domestic credit card risk management present situation.The full text is divided into six chapters, the first chapter introduces the research background, purpose and ideas of this paper. The second chapter elaborates the basic concept of credit card risk management, and the basic situation of the domestic credit card market. Through the analysis of the status quo of the credit card business and risk, sum up experience and lessons, provide a reference for the idea of China Everbright Bank. The third chapter describes the development of China Everbright Bank credit card business risk. The fourth chapter has carried on the analysis, the Everbright Bank credit card risk assessment, carried on the analysis to the China Everbright Bank credit card business risk, the Everbright Bank credit card business development strengths and weaknesses, analyze the Everbright credit card risk causes. The fifth chapter proposes strategies and measures of China Everbright Bank Risk management. The sixth chapter summarizes the views of this thesis, and puts forward the relevant research prospects.