The Research On The Credit Investigation System Of The GB Bank Credit Card Center

In the modern economy and capital markets,finance is the core of market economy,credit is the core of the finance and credit investigation is the basis tool to improve the level of credit,credit system is the cornerstone of modern financial system and it is the basis of financial market stability.With the reforming of the national credit policy,as well as the popularization of the internet technology,the credit card business of every big bank is booming.The numbers of credit cards of commercial banks become constant improvement,and it becomes more and more popular that people are used to own and use a credit card payment.But with being popularity and recognition of the credit card,credit consumption has benefited consumers already,because some consumers use credit cards with psychological immaturity.And using credit card too often leads to the bad debt increasing rapidly year by year.Controlling credit risk effectively becomes the important parts for commercial banks.How to accurately judge the customers' credit during the whole credit investigation process is still the key for the commercial banks' credit management.The thesis is based on the GB commercial bank's credit investigation system as the research object,using the customers' data of the branch institutions for data mining and analysis,and reducing and controlling the credit risk.First of all,the thesis describes the GB bank credit card center's credit investigation system,analyzes basic work of over workload and too many product lines.Now the credit risk,moral risk,operational risk and technology risk of credit investigation channels have become the important risk prevention parts and difficult parts of the internet channel,especially from the direction of credit investigation big data,analyze the reasonable and legally customers' data source,as well as the difficulty in the data development.Second,the thesis based on the perspective of the credit investigation business process to do the judgment and analysis for the GB bank credit card center: in terms of credit investigation channels,verification,pre-trial excerpts,due diligence,comprehensive credit investigation process and so on,the article is to analyze the process and control the risk,and will pay more attention to the human resources allocation,personnel operating risk,market risk,regulations,rules,data mining,and credit rating system of examination and approval department of GB bank credit card center to reflect the whole process of credit investigation management.Finally,throughout the credit investigation theory of credit card and data analysis,the article puts forward solutions to problems of the credit investigation of credit cards: reduce the credit risk of the GB bank credit card,improve the rate of return of the GB bank credit card,get the relatively competitive advantages of the GB bank credit card.Given all that,this paper puts forward the comprehensive network credit investigation approval process under the internet background of financial,various reference investigation data collection and analysis,set up a comprehensive and multi-angle credit approval process,improve the credit investigation processes and methods of the credit cards of commercial banks,reduce the credit risk,and standardize credit investigation compliance and risk control.