Study On Risk Management Of Credit Card For Commercial Banks In China

As a globally-used money form, credit card facilitated consumption for the owners, add sales for the franchised dealers.It became an important benefit source for the commercial banks,which grew into the prominent business domain for the banks. Especially with the rapid development of credit card in China during these years, more and more people chose credit card for payment. Nevertheless, the more credit cards banks authorized,the more risky it was for comsumers. Therefore, it was crucial for the banks to do research on risk control of credit card to increase profit.The thesis explored into the status quo of credit card, including some relevant studies about its risk control, and then summerized the pervasive problems in the risk control of credit card in China. All the problems correlated with each other, which in turn indulged the difficulties in credit card management. Consequently, it aroused credit risk, operation risk and fraud risk etc..The thesis tried to find key factors of credit card default by Logistic theory. Finally the thesis analyzed the causes of credit card risk and made some countermeasures for the risk control.The lightspot of the thesis was that it sysmetically presented the problems about risk management in our commercial banks, and innovativelly made some specific measures to improve risk control.Based on the theory of Logistic,we could make the objective evaluation of credit card default by means of all kinds of commercial bank’s data. The deficiency of the thesis was that its structure was relatively tenuous, lacking of some theoretical depth.