Risk Management Strategy Of Gansubranch Of Bank Of China Credit Card

With the continuous improvement of the rapid development of China’s economy and national income, consumption level of Chinese residents also continued to grow, but also a shift in consumer attitudes, consumption referendum era has come, and the credit card as a non-cash transactions of credit consumption, the favorite of consumers, has become an important means of payment in consumption of people. With the change in consumption patterns, China’s credit card market has entered a period of rapid development, whether it is issuing, trading volume or with card environment, great changes have taken place, as a bank credit card business income ace, has been vigorous development, but behind the impressive performance of non-performing assets is also cause for concern, at present, the Bank of China branch in Gansu credit card business is very difficult, while facing adverse pressure drop and customer growth requirements of the economic downturn, how to effectively control risk Under the premise of business bigger again, this is a new issue bank credit card business to sustainable development. In the current economic climate how to do in the premise of risk control, effective card, reduce the loss of credit card risks, improve profitability of commercial banks has become a new problem facing banks. Based on the status of the credit card industry in China Development Bank Gansu Branch of analysis, mining problems and causes of risk management in credit cards, based on empirical analysis on the proposed strategy of the Bank of China branch in Gansu Province credit card risk management.For credit card provides legal, safe and effective ways and means.