Study On The Improvement Scheme Of Credit Card Business Risk Control Management In CITIC Bank

After more than half a century of development,credit card,with its strength of convenient payment and financing function,not only becomes a modern global money form and,at the same time,it also becomes a profit contention point among model merchant banks.Since the implement of reform and open policy,credit card was introduced to China and experienced many leaps of development.After many years of scale development and considered about the complex investment risk,the credit card business in modern merchant bank is facing unprecedented challenges.In order to improve the sustainable development ability of commercial banks,it is of great value and significance to study the risk management of credit cards in Chinese commercial banks.This paper tries to clarify the research ideas and directions of credit card business risk control management in China through the development of credit card business risk management of CITIC Bank and its improvement plan.On the basis of the theory and practice of credit card risk control management at home and abroad,this paper analyzes the business background of CITIC Bank,business development and business process,financial data and human resources of China CITIC Bank,the current and potential problems of credit card business risk control management in China CITIC Bank has been find out.The internal cause of credit risk will also be further studied through multidimensional data.After combined with the credit risk rating model,a risk control management improvement program has been worked out consider about the aspects of credit strategy optimization,monitoring and early warning control,risk management system,technology research and development ability and risk management methods.Finally,this paper compares the effect of the credit card business risk control management scheme before and after the improvement,and makes an evaluation from the risk index,the strategic target,the management system,the system efficiency and so on,and designs the safeguard solutions for the successful implementation of the scheme,and then puts forward the outlook of the solution.