Study On The Cause Of Credit Card Break A Contract Risk And Risk Management

China's credit card business has developed relatively early.It has been more than 10 years since then.At this stage,the credit card business has entered the peak of development,and more and more people use credit cards.In particular,credit card theft and default have seriously affected people's lives and social stability.In order to understand the problem of credit card risk of default,in this paper,the domestic workers had carried on the field survey for many times,investigation group,including credit card using the card number,credit card,and whether the payment on time and to understand the understanding of the card,and obtain a large number of first-hand data,discussed and analyzed on credit default risk.This paper discusses the management of credit card default risk based on information asymmetry theory and transaction cost theory.Based on the analysis of the development status of China's credit card business and the status quo of credit card default losses,and the domestic commercial Banks credit card users were investigated by questionnaire,the domestic commercial Banks credit card use,cardholder motivation and card security issues.According to our country credit card default status and research results,domestic commercial Banks using Logistic regression model to analyze our country credit card default performance factors,combined with the questionnaire survey of the actual situation,further through empirical research methods to explore the causes of credit default risk and problem,with data analysis to verify credit card default risk related factors.Then according to the results of factor analysis,the corresponding solutions and Suggestions are put forward.Finally countermeasures based on the macroscopic countermeasures and microscopic two aspects,from the aspects of national law,card environment,Banks,cardholders and merchants,to our country credit card default control put forward corresponding countermeasure and the suggestion,to promote the healthy development of the credit card industry in China is of great significance,for our country credit card management related functional departments to provide decision-making reference.Through the empirical study of this paper,it is found that the probability of credit card default is affected by the gender,age and other factors of the cardholder.For credit card customer performance,education background has a significant impact;Credit card risk is affected by the number of credit CARDS held by customers and the frequency of overdraft to a large extent,and it is negatively affected.In terms of credit card performance,the average monthly income of customers has a positive impact.Compared with other variables,the biggest impact on credit card risk is the average monthly income of customers.