Research On Risk Management Optimization Of Bank A Credit Card

As a very important retail business of banks,credit card business has brought more and more risks with the increasing scale,which has brought serious negative impact on the development of bank operations.With the advent of the big data era,as a data-intensive banking industry,credit card risk management in the form and technology will break through and improve.The thesis takes the risk management of A bank credit card as the research object,using the research methods of literature research and field research,combining the relevant research results of domestic and foreign scholars,summarizing the risk of big data and credit card,and taking the theory of information asymmetry and the theory of comprehensive risk management as the theoretical basis of this paper.The paper first introduces the A bank credit card audit status,issuing card quality,asset quality,bad loan ratio,bad customer groups and other related business situations.Secondly,it analyzes the current situation of A bank credit card risk management,introduces its organizational structure and basic process,and carries out the evaluation of the risk management.By analyzing the assessment results,we can see that the A bank credit card risk management is not effective.Finally,the reasons for its poor results are mainly due to the defects in the credit card risk management process,including the marketing "heavy quantity,light quality",the poor approval and credit control,the weak post loan management and the lagging behind and lack of flexibility.This paper designs a scheme to optimize A bank credit card risk management based on big data.Firstly,the basic ideas and objectives of the optimization scheme are clarified,and the feasibility of the optimization scheme is analyzed.Secondly,in view of the reasons for the poor effect of A bank credit card risk management,the specific measures based on large data optimization are put forward:first,the use of data analysis to find high quality customers;Second,improve accuracy of approval and credit based on big data;third,rely on data updating to realize real time tracking after loan;fourth,optimize collection management with the aid of scoring model;fifth,establish a loss database to strengthen operation risk control.Finally,in order to ensure the better implementation of this scheme,we can start with the improvement of organizational structure,the construction of a big data platform within the line,the optimization of performance assessment mechanism,the establishment of a sharing mechanism,the improvement of the training mechanism for big data personnel,and the security of big data information.The big data based optimization measures proposed in this paper have a certain application value for A bank scientific evaluation,timely identification and effective management of credit card business risk.