Research On Credit Card Risk Management Of J Bank

In modern society,relying on its efficient,fast and convenient characteristics,credit card has become an indispensable financial tool in people's daily consumption.With the continuous progress of China's economy and society and the gradual improvement of the market level,the credit card business of major banks has made considerable progress.However,with the continuous increase of the number of credit card issuers,the total amount of credit and the volume of transactions are increasing,which makes the hidden risks hidden in the credit card business gradually appear.Credit card bad rate continues to rise,illegal credit card,cash card,credit card fraud,credit card malicious overdraft and other illegal activities emerge in endlessly,causing some economic losses to the bank.At the same time,Internet technology and information technology increasingly updated,the impact of the Internet financial turmoil,so that the bank's traditional credit card business is facing a huge crisis.Therefore,the effective identification of credit card risks,the control of credit card violations and the reduction of credit card losses have become urgent problems for banks to solve.All banks should put credit card business risk management in the primary position,according to the actual situation of the bank,to study their own business development of credit card risk management system.Based on the research of J bank credit card business,this paper analyzes the form of J bank credit card risk,such as credit,fraud,operation,system risk and so on.The paper takes J bank as the object of study.Then through data analysis and induction,in-depth analysis of J bank credit card issuance,credit monitoring,risk monitoring links,the amount of adjustment,collection and other aspects of credit card risk management problems exist,and found that the causes of the problem include the risk management concept is weak,internal control mechanism is not perfect,risk management technology is weak,risk management,market environment restrictions.Finally,according to the actual situation of J bank are proposed to promote the interests of risk awareness,perfecting the internal control mechanism,enhance the technical level,the implementation of risk management of credit card business outsourcing,carry out credit card collection,centralized management of credit card to promote the development of the external environment construction of credit card risk management strategies,in order to promote the J bank credit card the business healthy and sustainable development.