Research On Credit Card Risk Management Of Industrial And Commercial Bank Of China Shijiazhuang Branch

With the continuous transformation and upgrading of our financial market and the rapid development of the credit card market,the amount of credit card issued by commercial banks and the amount of consumption have increased substantially,and the market competition has become increasingly fierce.Compared with the western developed countries,the credit card business started relatively late in our country.The foundation of development is relatively weak,the rules and regulations need to be further improved,and the accumulation of business experience is insufficient,resulting in the relatively low quality and efficiency of the business,and the widespread adoption of an extensive business model.The credit card risk situation is very serious,the national financial order security and the normal operation of the financial system are threatened.Risk prevention and control capabilities can determine the profitability and sustainable development of commercial banks.Based on this,the problems that our country's commercial banks need to focus on are: to form a sense of risk management,improve risk prevention and control,and improve risk management capabilities.This is not only the actual requirements of external supervision,but also a necessary condition for internal development.In recent years,along with the rapid development of the market economy,ICBC Shijiazhuang Branch has continuously innovated the credit card business,strengthened the expansion of the credit card business market,and the rapid development of credit card business.In the process,credit card risks have gradually emerged and entered a period of high growth.The non-performing loan ratios and balances have increased year by year,and the pressure for risk control has continued to increase.It can be seen that through the study of credit card business risk management,the improvement of the credit card risk management framework of ICBC Shijiazhuang Branch and the promotion of the continuous,safe and stable development of ICBC Shijiazhuang Branch credit card business are of vital practical significance.Based on the specific theory of risk management of commercial banks,this paper uses the experience and model of risk management in the development of credit card business at home and abroad for reference,and adopts the method of combining case study with normative research.According to the different fields of credit card business,the risks faced by projects and business processes,classification,identification and analysis,on the basis of this,a targeted solution is put forward.This paper is composed of five chapters.Among them: the first chapter is to explain the relevant research background,the purpose and the significance,the second chapter is to introduce the commercial bank credit card risk and the management related concept and the theory foundation;The third chapter introduces the history of credit card development and risk management of Shijiazhuang Branch,deeply analyzes the existing internal and external control problems in credit card risk management of Shijiazhuang Branch of ICBC.The fourth chapter,based on the prevention and control of credit card risk management,as well as the internal and external control of credit card management,puts forward the credit card risk prevention and control measures,and constructs the risk management system.The purpose is to reduce the credit risk of Shijiazhuang Branch of ICBC to ensure the effectiveness of risk management.Chapter 5th is a summary of the views of this paper and put forward the relevant research prospects.