Research On Zhao Yuan G Bank Branch Bank Credit Card Bisiniss Risk Management

Credit card business is one of the strategic intermediate business of commercial banks to consolidate and strengthen the customer base.In recent years,the domestic credit card market has maintained a sustained growth trend,because it has a unique advantage in developing customer groups,promote the intermediary business revenue,make it become an important growth point of profit of commercial banks.The third Plenary Session of the 18 th CPC Central Committee pointed out that in the next few years,China will continue to actively expand domestic demand as the main economic goal.Based on the support of macroeconomic policy,China will become one of the largest countries in the world.Credit card industry is a kind of consumer financial products,has a very good prospects for development.However,with the continuous development of the credit card market,the competition is becoming more and more serious,which leads to a variety of false,illegal cash and other adverse events occur frequently,and show the characteristics of science and technology,and so on.All commercial banks in order to obtain more customer resources,increasing the amount of credit cards issued,the per capita credit card holdings increase in commercial bank credit card business income increased at the same time,the default rate increases,the risks associated with the credit card business also to.Because of China's credit card system is not perfect,the audit of commercial bank personal credit is not perfect,personal information and customer information maintenance is not timely,the audit process is relatively simple,it will bring the risk of credit card business.However,the current domestic credit card business risk management level is still in the initial stage of development,its development environment is not perfect,the management system is not perfect.Therefore,the research on the risk management of credit card business has a very important practical significance to ensure its stable and healthy development.This paper is mainly based on the current economic environment,research on commercial bank credit card business risk management firstly,on theoretical knowledge of domestic comprehensively;secondly,comprehensively and systematically elaborated the credit card and credit card business risk management related theory,characteristics,risk management objectives and processes are analyzed;finally,according to the "classification of credit card risk of the New Basel Agreement",the Zhaoyuan branch of bank G credit card business risk identification,and the use of AHP and fuzzy comprehensive evaluation based on the risk factors of weight coefficient method,combined with the risk of G bank Zhaoyuan branch of credit card business empirical analysis.The G Bank branch in Zhaoyuan city as an example,describes the G Bank of Zhaoyuan City branch of the credit card business risk management present situation,summarizes the current development of countermeasures and measures of risk management,find out the existing problems,and analysis of these issues,starting from the actual situation,gives practical measures and recommendations,and summed up optimization and improvement of system and mechanism of the risk management of credit card business.In this paper,the G branch of Bank of Zhaoyuan as the main object of study,in order to provide the necessary theoretical basis and data support for the reform of credit card business risk management and prevention of risk factors.