Research On Credit Card Risk Management Of Yingkou Branch Of Guangfa Bank

Since the reform and opening up,with the constant adjustment of the industrial structure,the tertiary industry represented by the financial industry has emerged as a new economic growth point.Major banks have made major strategic adjustments and business reforms in this opportunity.The credit card business is the A new business content derived from this process.The heavy use of credit cards has changed the way people pay,giving life a lot of convenience,but in the meantime,the risks associated with credit card businesses can not be underestimated.How to control the risk of credit card has become a problem in front of the banking industry.This article is based on such considerations,combined with the actual problems encountered in the work of research.This paper takes Bank of Yingkou Branch of Yingkou as the research object,studies the control of the bank's credit card business risk,combs the related theory and research results of the credit card risk control,and analyzes the current status of Yingkou Branch of the Bank in the field of credit card business risk control And the main problem,as a case of commercial banks,the plight faced by Guangdong Development Bank is also the bottleneck most domestic banks urgently need to solve.Taking Yingkou Branch as an example,a set of risk control flow system and a specific plan were designed,and on the basis of this,a guarantee measure for implementing the plan was put forward.The main body of this paper is divided into four parts.The first part describes the background and methods of research on credit risk control.The main theoretical basis of the research is from the domestic and foreign literature and case studies on credit risk management.The second part focuses on the analysis of the credit risk of Yingkou Branch of Guangfa Bank,and puts forward the current status of Yingkou Branch on the control of credit risk,acquisition risk,fraud risk and operational risk as well as the specific process introduction,Setting,risk control mechanism,post-lending management system and external environment construction and other aspects of the current difficulties and causes.The third part is the main part of the article.According to the diagnosis of the existing data,we put forward the design of the credit risk control system of Yingkou Branch and put forward the specific optimization plan from three aspects: management mode,management system and management system.The fourth part analyzes the control of commercial bank credit card business risk in detail from the implementation of the program,the progress of steps,the safeguards and the expected effect.The last part is the conclusion part,proposed the shortcomings of this article and the future research direction.