Research On The Management Of Credit Card Purchase By Special Stage

Along with rapid economic development and constantly improve people's living standard,cars become one of the important content of household consumption.In recent years,credit card purchases in stages as consumers a new car financing mode,shows a tendency of booming development,more and more get the favour of banks and customers,has also become a new growth point of bank middle business income.At the same time,credit card purchases in installment high profitability is accompanied by high risk,and the intensification of market competition,and enhance the degree of risk,this brings new challenges to the practice of audit work.Banks internal audit department how to carry out the audit in this emerging field,better control risk and promote the healthy development of credit card installment business car,become a problem needs to solve.At present,the domestic studies on credit card installment business car,mainly business development and risk management,rarely discussed from the angle of bank internal audit.Based on the literature and theoretical study,combined with the practice of bank,found China's commercial banks in the credit card car buying installment business management,has accepted survey link to verify the authenticity of the deficiencies,failed to strictly implement the examination and approval system,the lack of effective sustainable management mechanism,risk management philosophy,there are differences in risk monitoring means and technical methods lag the third line of defense,internal audit function problems.Dig the internal and external reasons,mainly due to the level of customer operations manager is not enough,the responsibility is not clear;approval of occupation ethics and professional quality;the presence of heavy marketing,light-after consciousness;has not yet formed a scientific system of credit card installment car buying risk management culture;emphasis research on risk management of emerging technology business is not enough,and the level of internal audit did not keep up with the pace of development of business.Based on the analysis result,the commercial bank should strengthen the credit card business of personal customer access and car buying staging cooperative businesses access management;strengthen the approval of compliance training and occupation moral education,accurately grasp the key elements of the approval;improve the credit card installment continued car buying management system,strengthen the supervision and inspection of grass-roots organizations,do credit risk monitoring after;to establish a unified risk management philosophy and culture,establish the"benefits centered" concept of risk management,establish the risk balance profit maximization of the business objectives;strengthen the credit card business risk car buying stage research and monitoring,unified planning,lay a solid foundation for the risk monitoring system,improve risk warning level;strengthen the credit card car buying staging business risk oriented internal audit,establish the credit card business car buying stage of internal audit,improve business management Rational level.