A Research On Credit Card Risk Management Of Commercial Bank

Economic development makes people's consumption concept change,credit card business from the initial attempt to large-scale development,this process is short,now more and more people choose credit cards for consumption,but at the same time,the risk caused by credit card is also rising.Credit card development in China is relatively short,and credit card risk control is still in its early stage.There are obvious limitations in the study of credit card risk.Although many commercial banks have realized the importance of credit card risk management,the lack of relevant theories in China makes commercial banks lack experience in strengthening credit card risk management.With the expansion of credit card business,the risk problem is also increasingly prominent,because the risk of credit card assets is always high,which leads to the confidence of the various issuers to decline in the business,which leads to the limited development of credit card business.Due to the risk of credit card assets,all banks are very difficult and unwilling to try easily.Therefore,the study of credit card risk has both theoretical and practical value for the development of credit card business.This paper mainly analyzes the general situation of the development of credit card business in China.On this basis,we explore and study credit card risk management,combine theory with practice,and then find effective measures to manage credit card risk.This paper mainly analyzes the concepts,management objectives,management processes and organization theories related to credit card risk management.This paper analyzes the specific situation,existing problems and specific causes of credit card risk management in China,and analyzes the model and system of credit card business risk management,as well as the internal and external macro environment related to credit card risk,the former includes management environment,management process and Management technology and other three elements.Then,combining the risk management of HX bank credit card,a set of perfect plan is designed to improve the risk management level of HX bank credit card,and then the detailed implementation method is put forward according to the plan.The most important thing is to establish the correct management concept,improve the internal management system of the Bank and establish the evaluation system.On the basis of this,we can further complete the system related to credit card risk management,and further optimize the external environment of commercial banks by improving the relevant laws,improving the personal credit system,strengthening the public credit education and further optimizing the external environment of the commercial banks,so as to achieve the goal of reducing the credit card risk.