J Bank Credit Card Risk Management Research

Credit card business is an important part of commercial bank's retail sector,has a stable customer acquisition,deposit,create the middle business income combination,is one of the key business solid customer base.As an important retail consumer finance product,the credit card business has the opportunity of unlimited development in the future.With the development of Internet finance,the arrival of big data era and the rapid rise of third-party payment,traditional Banks also face the transformation of the Internet.Interest rate marketization,the customer demand diversity and homogeneity of credit card products,downward economic environment,a variety of factors such as defaults rise,are great challenges to the development of credit card business.Opportunities and challenges coexist,so credit card business risk management level is particularly important for the future development of commercial bank credit card business.In the face of fierce market competition,the major banks have long established themselves as one place in the credit card market.At the same time,they are constantly innovating card types and various credit card installment products so as to achieve the purpose of stabilizing stock customers and expanding new customer resources,Which makes J Bank's credit card business development is facing more serious challenges.The banking credit card business has just started and is still in the initial stage of credit card business development.It is necessary to establish various business systems,risk control systems,innovative credit card products,invest manpower and material resources and other infrastructure,and also to seize the market with major banks to compete for quality Customer resources,out of a suitable path for their own development,while improving the middle income-generating capacity but also do a good job of risk prevention,in order to avoid bad profit swallowed,reputation is damaged by the risk of adverse effects.Based on various factors,it is imperative for Bank J to strengthen its own credit card business riskmanagement.Only by controlling risks can we better develop our business.In this paper to our country's current economic environment of commercial bank credit risk management background,first elaborated the domestic and foreign commercial Banks credit risk management related theory and research,the meaning of credit card risk management and the basic link.Then for an empirical analysis of credit card risk management related theory,J bank,for example,describe J bank credit card risk management status,this paper used in the bank's credit card risk management methods and measures,analysis of the bank in the credit card risk management problems and the causes,should take the measures and strategies,borrow J bank's current situation,reflects our country small and medium-sized commercial Banks in common phenomenon existing in the credit card risk management,and apply theory to the credit card risk management practice,expect the optimization of our country small and medium-sized commercial Banks credit risk management has reference significance.