Research On Credit Card Risk Management For A Bank Liaoning Branch

In the recent years,the scale of loan and the number of card issuance have been dramatically increased with the rapid development of credit card business and new products and business are continuously introduced.At the same time,the number of all kinds of cases caused by the risk events,emergencies,internal and external fraud has increased significantly.Also,the sense of compliance of most financial institutions and personnel is weak and breaking the rules,the illegal operation and repeated mistakes are more prominent.Moreover,stampeding the "Red line" has occurred.Therefore,risk management and case prevention and control are facing severe challenges.Target analysis on credit card risk factors and effectively strengthening the credit card risk control have very important practical significance for facilitating the daily production and life and ensuring the healthy and sustainable development of credit card business.Using A Bank Liaoning Branch as the research target,this article first introduces the concept of credit card risk management and the basic theory of risk evaluation model,which are the theoretical basis for further research.Secondly,the current status of the credit card risk management in this branch is analyzed,including the current profile of credit card business,the current situation of the risk management and existing problems and their analysis.Third,according to the different stages of the credit card business,this article divides the credit card business into three stages,before,during and after the issuance.The business risk factors of three stages are analyzed respectively.Furthermore,this article constructs the credit card risk evaluation model by using the fuzzy comprehensive evaluation method and the analytic hierarchy process based on the risk factors of credit card business in the different phrases,which determines the weight of the index system and evaluates the credit card risk synthetically.Finally,according to the previous analysis of the risk factors of credit card business in Liaoning branch and the results of fuzzy comprehensive evaluation,the corresponding risk control countermeasures are proposed for pre-risk prevention and control,risk control and expost risk monitoring of credit card business.lt provides theoretical basis and reference for the effective promotion of credit card risk management level for bank A's liaoning branch,which is of great realistic significance.