Research On Credit Card Risk Management Of Commercial Banks

The current driving China's economic "three carriages",priority among priorities is the development of consumer credit,as the best carrier of consumer finance,from the first " silver card" in 1985 to the present non-payment card,credit card has become indispensable to people's life and an important vehicle for the banking transformation.Based on the analysis of China's commercial bank credit card risk management,focusing on all kinds of credit card risk index,and compared the different dimensions from X,regional banks and national joint-stock banks in three categories,find the reasons of the existence of risks and solve the theoretical framework and research model,focusing on the use of game theory on credit risk analysis of rhombus organization model of Leavitt system of X bank credit card risk management based on X,which focuses on the product characteristics and overdue situation analysis,and ultimately to X bank credit card risk management line as an example,to find countermeasures to our commercial bank credit risk management level lies in the establishment of the credit system line,and improve the linkage mechanism,the use of scientific and technological innovation.