Research On Credit Card Fraud Risk Management Of Z Bank S Branch

In the end of the 20 th century,China's first credit card – "Credit Card of Bank of China" issued by the Bank of China Zhuhai Branch of stepped onto the stage of history,marking the birth of credit cards in China.After entering the 21 st century,with the advancement of mobile Internet and large data,China's credit card has experienced rapid development.Its industrial scale is expanding,the development track tends to be mature.But the resulting risk is also increasing.In particular,credit card fraud incidents caused serious losses for cardholders and issuing banks,and even to a certain extent,disrupted the social order.Therefore,with the expansion of the credit card market,credit card risk management should also be paid enough attention to ensure the success and safety of the credit card market.This paper first introduces the development of credit card business of China's commercial banks from the aspects of development history and market scale,characteristics of credit card market at present stage.Then,by analyzing the current situation of credit card fraud risk management,the characteristics of Z bank credit card fraud is be cleared.On the basis of the above,the author points out the problems and the reasons behind the fraud risk management of commercial banks in our country.Finally,the paper puts forward the countermeasures to improve the risk management of credit card fraud in commercial banks in China and the measures to construct credit card anti-fraud management guarantee.