Research On Credit Card Risk Management Of Weifang Branch Bank Of China

With the development of modern financial services,credit card with its flexible,convenient,fast and unique advantages has become an important tool of payment and settlement in the daily life of ordinary consumers.At the same time,credit card interest is high;the source of income is wide and has become a new growth point for commercial banks to improve profits.However,the credit card is a double-edged sword;bring in high returns to the bank,also accompanied by high risk.The credit card business in China is growing rapidly,but compared with western countries,is still in the initial stage.The credit card risk management and control of level is relatively low,it has not yet set up a scientific,effective and comprehensive risk prevention and management system.Credit card risk management issues have become increasingly prominent.Therefore,to strengthen the research of credit card risk management,the improvement of the credit card business risk prevention system of our country and the healthy development of the credit card has a great significance.This thesis combines theory with practice,the qualitative analysis with the quantitative calculation,to study the credit card risk management of Weifang Branch Bank of China,through literature review,field research and other channels to collect information.By analyzing the overall credit card business of Weifang branch Bank of China,it is found that there are some problems in the credit card risk management,such as has not yet formed a comprehensive credit card risk management philosophy,credit risk management system is not perfect,credit card risk management technology is not advanced;identify the credit risk,fraud risk,operational risk and macro risk;select the appropriate risk assessment index,determine the risk assessment factors and the weight of each factor,determine the evaluation criteria,build credit card project risk assessment model,and evaluate the results;based on the results of risk assessment analysis,thispaper puts forward the credit card countermeasures of the comprehensive risk management of Weifang branch Bank of China.In this paper,it has great practical significance for the Weifang Branch Bank of China to enhance the credit management business and risk management level,to promote the full and healthy development of credit card business,to maintain its economic interests and property security,and to maintain a good social image.