A Study On Credit Risk Management Of Credit Card Business Of A Bank B Branch

Since twenty-first Century,China's commercial bank credit card business has entered a rapid development track,as of 2015,China's new credit card issuance Volume 80 million,total issuance volume reached 530 million,up 17.8%over the previous year,credit card holders per capital amounted to 0.39.The credit risk is the main risk of credit card business.With the rapid growth of credit card business default,illegal cash,malicious overdraft credit card credit risk incidents continue to occur,China's commercial banks began to realize the importance of credit risk management of credit card,and continue to strengthen the credit risk management of credit card.However,China's commercial bank credit card business development for a short time and the risk control level is relatively low,the lack of perfect management mechanism.Therefore,to carry out the credit risk management of credit card business of the credit card industry to maintain sustained and steady development Of great significance.This paper focuses on the analysis of the related theory of credit risk management of credit card,detail and comments on the credit risk management theory,and then to the A bank B branch as the research object,on the line of credit card risk status and development status are analyzed,and the bank credit card business risk management situation and existing the problems were analyzed and summarized,through the establishment of the Logistic regression equation,combined with the actual business data of A bank B branch in 2015,selected the gender,age,education,marriage,income and other 9 variables on the credit card business credit risk for the empirical research,finally analysis conclusion by drawing on the successful experience of foreign credit the credit card risk management and the empirical Logistic regression model,the corresponding problems in A bank B branch,proposed to establish a correct concept of risk management,strengthen risk management Sense of consciousness,optimize the credit card loans before the audit process,strengthen the construction of dynamic tracking mechanism of credit card loans,credit card loans to improve the collection mechanism,change the marketing strategy,the depth of the excavation of high-quality customers and other specific recommendations.