A Study On Credit Card Risk Management Of ZG Bank Qingdao X Branch

The credit card business has both benefits and risks.Nowadays,credit card business is gradually integrating with artificial intelligence,big data and other high-tech.From the traditional manual operation gradually to the intelligent.The risk management method must keep pace with the rapid development of The Times.The credit card business is a supplement to everyday consumption.The economies of scale of credit CARDS have driven China’s credit system.The bank attaches great importance to the risk of credit card business.The branch branch pays the most attention to whether the risk control is truly done.This paper first introduces the research background and significance.The research methods and theoretical basis are expounded.The credit card business of ZG bank Qingdao X branch is analyzed in detail.Based on the case study of the branches that contact customers in the whole process,combining with the relevant theoretical basis,the risk identification of the credit card business of ZG bank Qingdao X branch in the whole process was firstly carried out with the method of wbs-rbs risk matrix analysis.Then the graham risk assessment method(LEC method)is used for risk assessment.Credit risk is classified as high risk.Therefore,the risk factors of credit risk were decomposed to establish a customer credit score system based on AHP.Finally,according to the actual situation of the branch,the paper puts forward several guiding opinions on risk prevention.At the level of bank operating environment,there are two precautionary opinions.The state should continue to improve the construction of credit system and the construction of comprehensive risk management system from the strategic height of Banks.Then according to the different risk levels,respectively put forward preventive advice.Credit risk prevention for high risk rating.To use the credit score system to carry out a comprehensive risk assessment at the beginning of the card,so as to reduce the risk of the initial examination.In-depth use of the automatic approval system database,more comprehensive grasp and use of customers.Establishpost-loan credit risk management system and improve post-loan credit risk monitoring ability.We should deal with the fraud risk in the risk level,give priority to prevention,improve the anti-fraud identification system,and establish a case database and risk management system in line with the actual situation.For the cash out risk with low risk level,cash out behavior screening should be carried out at the early stage of card issuance and processed one by one according to the data of cash out risk monitoring system.For operational risks,we should establish compliance system and conduct risk training and promote risk culture construction.Establish a professional internal control team,and set up reward and punishment measures within the department.