Design And Implementation Of Credit Card Risk Management System For Commercial Banks

The purpose of issuing credit cards by commercial banks is to occupy the market,expand consumer groups,and realize industrial profit as its ultimate goals.However,with the increase of issuing,credit card's risks also arise accordingly,such as various credit risks,operational risks,fraud risks,technical risks,legal risks,etc.It is of great significance for a commercial bank to strengthen the management and control of credit cards in the later period,track and analyze the dynamic data in real time by means of modern information technology and decision-making theory,so as to ensure the smooth operation of its users on the legal track and prevent the risks beforehand.The paper makes the analysis of various important data such as credit card's various consumption data,product structure,repayment rate,installment conversion rate,non-performing asset ratio,bad debt rate,customer group,etc.,and designs a credit card risk management system which is suitable for commercial bank branches.And it establishes an information management system for the basic level credit card customers of commercial banks,generates monthly consumption data reports to help them to manage and control the risk,and handles various anomalies timely and accurately that the risk of bad debts can be reduced.According to the basic situation of credit card customers,the management system and platform can help risk management department instantly know the abuse of credit card and communicate with the customers to understand more specific information through the customer communication management platform.Then they can accurately judge customers' credit behavior,implement the methods of early warning,collection,reduction,suspension and prosecution to ensure the credit cards in a well-controlled state of operation,and finally maximize the interests of banks and minimize the risks.By analyzing a commercial bank credit card risk management model,the paper,on the basis of theoretical review of credit card risk and management of commercial banks,aims at establishing the credit card risk management data business model to form the demand analysis report,carry on the system design,and finally employ Java EE technology lightweight SSM framework,namely,Spring technology,Spring MVC technology,Mybatis technology,with MySQL data technology,Ajax technology,JavaScript technology,JQuery technology,Bootstrape technology to realize the information management platform project functions,and finally to complete the development of the project through testing.