A Case Study Of Credit Card Credit Risk Management By Financial Technology

The core competitiveness of credit card is risk management.Risk management is the foothold of commercial banks.It needs continuous improvement and promotion to achieve maximum economic profits.In recent years,Fintech(abbreviated as "Financial Technology")has become a hot topic in the financial industry.It is mainly based on the needs of financial business.With the support of new data analysis and storage technology,Fintech has exerted tremendous influence and changes on the financial industry.Fintech not only provides commercial banks with new opportunities for transformation,but also brings many new opportunities,challenges and reflections in the field of credit card risk management.Based on literature research and theoretical analysis,this paper evaluates the impact and role of financial technology on credit risk management of credit cards,points out the problems existing in credit risk management of credit cards in China,and puts forward the necessity and prospects of applying financial tec hnology to credit risk management.At the same time,it summarizes the opportunities and challenges faced by financial technology in credit card risk management in China,and looks forward to the four development trends of future financial technology in credit card risk management.Based on the actual situation of credit card risk management at home and abroad,this paper puts forward that domestic commercial banks should lay out financial science and technology as soon as possible,give full play to the positive role of Finance in credit card risk management,never mention the bank's credit risk management ability,and establish and improve the advanced risk management system.The expected contributions of this paper are as follows:(1)In view of the existing technical background of credit card risk management and financial technology,it is suggested that domestic banks actively integrate new technologies and services into credit card risk management,improve risk management level and seize the opportunity of risk management transformation under financial technology;(2)Based on the research at home and abroad,the credit card risk management is comprehensively combed.Procedures,problems and future trends,and put forward targeted solutions and suggestio ns;(3)Analysis and summary of Bank C credit card risk management and Fintech combined case results,problems and thinking.