Research On The Risk Management Of Credit Card Of CE Bank Under The Background Of Internet Finance

As a product of the credit economy era,after entering China's market,credit cards have seen a rapid development in the number of cardholders and the market usage rate in just 30 years.This speed of development has brought benefits to commercial banks,but it has also increased the risk of credit cards.However,in recent years,the pace of economic development in China has gradually slowed down,and the problems that the credit card industry hides during the rapid development phase have gradually emerged,including one-pot access to customers,credit rating technology behind,weak post-lending management,risk management technology and the actual pace of business development out of touch.In addition,the arrival of the Internet finance era has increased the concealment,professionalism,and scale of credit card risk,which has made bank risk management work face new challenges.The major domestic commercial banks have also gradually realized these problems and have carried out exploratory reforms and attempts on risk management.This article is based on the above background,firstly,reviewed the concepts of credit card risk and risk management,relevant theories,and research at home and abroad;Secondly,taking CE Bank as the research object,analyzed its development status,credit card business status and risk management process,and extracts the existing problems in risk management work and the risks they face;Again,combined with the actual situation of the CE bank,six risk indicators were identified.The card records of 500 credit card users in the bank from 2016 to 2017 were selected as data samples,and the impact of each indicator variable on the sample default probability was analyzed;Finally,a personal credit assessment model was constructed by using the Logistic regression method,and the model was empirically analyzed.Based on the results of empirical analysis,it put forward its own optimization direction and suggestions for the future bank credit risk management of CE bank,especially in the context of internet finance,the strategy of credit card risk prevention and control is optimized.This article quantitatively analyzes and empirically studies the self-determined and default conditions of CE bank users.The results show that the user's age level,marital status,education level,and credit history have different degrees of influence on their future default probability of using cards.Banks should accurately target customers,strengthen supervision of customers and audit credit links,improve the establishment of credit information system.In addition,with the advent of Internet finance,credit card risk presents new trends and new features.Banks should comply with the development of the times,use computer technology to establish risk monitoring systems,real-time monitoring of user card status,and when abnormal usage occurs,risk warnings are issued in.time and evasive measures are taken.Banks should also assist state agencies in improving the laws and regulations governing the Internet financial model.Various measures have been taken to minimize the risk of credit cards and ensure the safe operation of bank assets.