Research On Risk Prevention And Management Of Credit Card Business In City Commercial Bank Under Big Data Background

Credit card business first originated in the United States in the first half of the 20th century.The Franklin Bank of the United States issued the world's first credit card,which was introduced to Europe in the 1970s.Compared with developed countries,the development of credit card business in China is relatively slow.In 2002,China UnionPay Co.,Ltd.was formally established.Since then,the credit card market has officially opened in China.There is a short time for the development of China's credit card business,the market is not perfect,including laws and regulations and other supporting systems The establishment of imperfect issues has made the credit card risk problem an endless stream.In 1989,Data Mining proposed that it opens up a technology way for big data to value mining applications.In 2008,the Computer Community Coalition put forward the word "big data" for the first time.In the 21st century,computer technology has undergone earth-shaking changes both in software and hardware,the capture,storage,and processing of big data,the optimization and research of big data algorithms,and the sinking of big data applications,making big data analytics in the financial Applications in other fields become possible.The Supreme People's Court's "Thematic Judicial Data Report-Credit Card Fraud Crimes" published in the Supreme People's Court in 2017 revealed that in the country's credit card crimes,malicious overdraft credit card fraud accounted for 81.1%,showing that credit card risk management still runs through the entire credit card life cycle.As a regional commercial bank,the city commercial bank has a certain degree of particularity,and its risk resilience is relatively low.Once a risk arises,it may cause a regional financial crisis and may even bring about a national financial crisis.Therefore,it is necessary to conduct research on the risk prevention and management of credit card business in the context of big data to explore the measures for the prevention and management of credit risk of city commercial banks in this context.The main contents of this paper are as follows:The first chapter introduction introduces the background,research significance,research methods and content of this article.The second chapter defines the related concepts of credit card risk prevention and management,and sorts out and evaluates the domestic and foreign literatures,laying a foundation for further research.The third chapter mainly analyzes the status quo of the development of credit card business in China and the characteristics of credit card business of city commercial banks.Specifically,the circulation of credit cards further increases,the scale of credit continues to rise but the growth rate drops,and the number of promotion channels gradually increases;the current status of credit card risks fluctuates.State;City commercial bank credit card business has a relatively small scale,low transaction activity,lack of product categories.The fourth chapter mainly summarizes the types and causes of credit card risks and analyzes the risks of credit cards of city commercial banks.Among them,credit card risk can be divided into four aspects:fraud,credit,operation,and market.In terms of its characteristics,credit card risk has the characteristics of low measurement accuracy,large risk monitoring workload,and complicated handling of risk crisis.The reason is that our credit system is not Improvements,internal controls and staff training are not perfect,and online transactions increase risk.Specific to the credit risk of city commercial banks,it presents the characteristics of polarization of default risk,poor ability to resist systemic risk,and more convenient collection and assessment of customer information.The fifth chapter mainly analyzes the experience of domestic and foreign banks in the aspects of credit card risk prevention and management.Among them,U.S.banks deal with credit card-related data centrally and build a multi-level credit system to prevent and manage credit card risks.The Bank of Japan is composed of two factions,one with the world's top credit card service agencies,and the other with independent innovation.Data processing center;banks in Hong Kong use the business unit system to control credit risk from customers and merchants,and share credit card data to build a big data system.The sixth chapter gives suggestions on how to improve the credit card risk prevention and management capabilities of city commercial banks in the context of big data:fully expand data sources and consolidate data quality;build an intelligent risk control system to improve risk control efficiency;and build a full-scale prevention mechanism to reduce the probability of risk.