The Study On Credit Card Risk Management Of Y Bank

As a highly profitable banking business,credit card business has become one of the main profit growth points of commercial bank in China.After decades of development in China,credit card business has formed a basic pattern of industrialization development.Around credit card business,a group of professional service organizations,including commercial bank,develop a relatively perfect payment network and payment industry chain,as well as a certain scale of industry system.At the same time,with the rapid development of credit card business,credit card risk occurs more and more frequently,which results in more and more losses for commercial bank in China.Therefore,it is very important to manage credit card risk.This paper study the types and main characteristics of credit card business risk in Chinese commercial bank,and the present situation of credit risk management,find out that most of credit risk management in China is extensive,lack of refined operation,the mechanism of credit risk control is imperfect,overdraft management is quite difficult,the cost of default for customer is low,while collection cost for commercial bank is rather high,meanwhile the credit information system is not perfect,information asymmetry always brings trouble.The methods of identifying? metering? forecasting and controlling various kinds of credit card risks should be enhanced.A fine platform of credit risk management and the mechanism of dealing with Credit card overdraft under the liberalization Interest rate should be established.This paper also study the credit card risk management of Y bank,and its risk management measures,it is found that commercial bank can control the credit card risk better by carrying out efficient means of risk control,in particular,credit approval mechanism,complete process risk management,internal management and external management,cooperation with other financial institutions,as well as asset quality management of credit card should be reinforced.This paper offers several countermeasures of improve credit card risk management for commercial bank,after studying credit card risk in Chinese commercial bank and the practice of Y bank,in the hope of positive promotion appearing in later credit card risk management of commercial bank.