Research On Credit Card Risk Management In J Bank HB Branch

With the gradual improvement of the economy,people,s living standard have been greatly raised,which also promoted the increase of consumption.On the one hand,credit CARDS provide for consumption demand,and on the other hand,they bring huge profits to Banks.However,due to lack of control measures on credit card risk,some Banks have encountered some problems in risk management.How to improve the risk control is the premise to guarantee the profit of the credit card business of domestic commercial Banks,so the topic selection is of great realistic significance.In this paper,the credit risk monitoring management of HB branch of J bank is used to study how to improve the management quality of the whole bank,and then some targeted suggestions are put forward to provide a reference for commercial Banks can more sustainable,healthy development and improve competitiveness.The paper is divided into five chapters.The first chapter is the introduction,it elaborates the topic background,research purpose,importance,domestic and foreign research status,structure and research methods.The second chapter focuses on a series of theories,including the concept of credit card and the concept,goal,process and principle of credit card management.The third chapter introduces the HB branch of J Bank's credit card risk management present situation,the basic information including the bank credit card business and the bank risk management organization system,operation process,technology and personnel quality.The fourth chapter analyzes the problems and causes of credit card risk management.The operation of credit card review period is lack of standard,blindly expand the number of customers;The risk quota management mechanism of the account management period lacks the anti-fraud early warning and monitoring mechanism;After the loan management period,there are difficulties in the collection of bad debts and the low efficiency of the cost.The reason lies in the lack of comprehensive credit card risk management concept,incomplete risk management organization system,advanced risk management technology,lagging external environment construction,etc.The fifth chapter puts forward the suggestions to improve the credit card risk management of HB branch of J bank,so as to strengthen the quality and organization construction of credit card management personnel,and straighten out the credit card risk management organization system;In advance,credit card applicants in some high-risk industries should be strengthen the audit,we should build up the bad credit customer information bank,and improve the examination and approval procedures;In the event,we should improve the risk dynamic monitoring,do a good job of checking the risk of abnormal credit card transactions,and strictly check the credit line;After the loan,we should establish effective performance appraisal mechanism and adjust the collection strategy.In addition,it is necessary to innovate the technology of credit card risk management to perfect the national personal credit system and relevant laws and regulations.