| The bank is the special enterprise that manages the risk,because of the risk and the survival and the development,because the management risk and splendid and prosperous.A prominent banks often have excellent ability of risk management and technology,in various stages of complicated market competition environment and the economic cycle,are able to maintain sustained growth in revenues and profitability,and become difficult for competitors to replicate the core competitive advantage.The general principles of the management of commercial banks,the same applies to commercial banks as a more and more important retail financial services and products-Credit cards.Since 1952,the first modern credit card,the risk management throughout the entire process and history of the development of the credit card business.It is different from the general business and bank financial products,credit card business also has some unique characteristics,namely: as banking products with the financial attributes,as the development of paper money to electronic money in the process of an electronic payment tool belongs to information technology,as a social attribute is a wide range of people and areas the application of.Around the financial attributes,technical attributes and social attributes,and credit card business is closely related to the risk of different forms,the complexity and difficulty of management is often greater than the general banking financial services and products.Therefore,the credit card risk management is particularly important.Based on the characteristics of the credit card business,the cause and risk and related theory,based on real data of a domestic commercial bank personal credit card as the research object,adopt the method of combination of theoretical and empirical research,quantitative and qualitative,using SPSS21.0 software,through regression analysis to explore the Logit model.Influencing factors of credit card default probability. |
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