A Research On Credit Card Risk Management In Bank A Guangxi Branch

China's credit card market from the beginning of the 20th century,the beginning of the development of the end of 90,so far about more than a decade,has been difficult from the start of the successful development of a scene with a volume of 400 million or more with huge growth space of the active market,Obviously,even ushered in the credit card market"outbreak".The rapid development of credit cards today is due to the rapid growth of China's economy and the strategic transformation of commercial banks.but the development of credit cards has brought new problems and challenges to commercial banks.So how to maintain the development of commercial banks can control the characteristics of the credit card itself,as well as the risk of "burst" one-sided over-marketing crisis has become a problem.This has led domestic academics and practitioners to further study the risks associated with the credit card business in the ever-changing new situation and how to manage credit card business risk.In recent years,A bank Guangxi branch credit card business development triumph,credit card business credit,transaction volume and credit scale are ranked first in the same industry echelon,but the credit card business risk is also in high incidence,multiple,risk amount,false risk cases Has been running at high levels,non-performing loan balances and non-performing rates are increasing every year,indicating that the bank's credit card business risk management is still in the initial stage of exploration,there is no set of effective coverage of internal risk management and control and macroeconomic external situation of the overall mechanism,The level of wind control management needs to be further improved.Therefore,it is of great practical significance to study the credit risk management of credit card business to promote the construction of credit card business risk management system,promote the growth of credit card business,and promote the healthy,stable and sustainable development of Credit Bank business of Guangxi Bank.Based on the combination of theory and practice,this paper draws lessons from the mature experience and practice of credit card business at home and abroad,and combines the actual situation of this unit,synthesizes the comparative analysis method,qualitative analysis method and quantitative analysis method.This paper introduces the research results of the predecessors at home and abroad,and then analyzes the problems and the causes of the credit card business status,the risk situation and the risk management of the Bank?Finally,on the basis of the above analysis,this paper puts forward some suggestions and countermeasures to improve the risk management of credit card business from Guangxi Bank branch of A Bank from various angles.The research of this paper has important reference significance for A Bank Guangxi branch to grasp the outstanding risk factors of credit card business and promote the reform of credit card business risk management..