Credit Card Project Risk Analasis And Settlement Of Dachuan Joint-stock Bank

As important payment and credit method,the credit card is the important source of intermediate business for domestic commercial bank. With the soon development of the credit card business, the credit card risk became the focus probl em of social oncerned.Effectively identifying of the credit card risk, the establishment of the credit card risk control system, the exaltation of the risk management level, become more and more important to commercial bank.This text uses Dachuan joint-stock bank as a research object, the research process three steps, which include propose the problem, analyze the problem and solve the problem. First,at the foundation of analysising the credit card risk at home and abroad,make a general introduction about the research content and methods;Second, after summarizes the related theories credit card risk and credit card risk management,clarify concept, characteristics and classification of credit card risk and described the identifying method, quantitative anal ysis method, evaluation method, evaluate a method and settling dmethod;Third,according to the status of Dachuan joint-stock bank’s credit card risk management,useing expert investigation method, brains storm method to identifying the credit card risk, and analyze the internal reason of forming the risk item, external reason and technique reason;The fourth, on the foundation of the credit card risk factor analysis of the Dachuan joint-stock bank, set up mathematics models, calclute the highest level of D achuan joint-stock bank credit card risk, evaluate the composing factor and whole risk of the Dachuan joint-stock bank credit card risk;The fifth puts forward the solution of Dachuan joint-stock bank credit card risk, counterplan and suggestion should adop t, mainly include:strict the customer entrance control, strenthen the personal perfect enquiry system, strengthen inner part control, strengthen all the employee’s risk consciousness and enhance system support.Finally, summarize the research contents and prospect future of credit card risk management control.