Credit Card Risk Management And Research For ICBC Shaoyang Branch

In the rapid development of credit card business,which is favored by consumers,credit card risks are also constantly exposed.There have been illegal cash outs,fraudulent use of credit cards,malicious overdrafts and other credit card incidents,which have seriously affected the profits of issuing banks an d credit card business.Issuing banks and continued healthy development credit card business.As a secondary branch bank under the jurisdiction of Industrial and Commercial Bank of China(ICBC)in Hunan Province,the credit card business of Shaoyang Branch has developed rapidly since 2011.However,the growing bad rate has also directly affected the development of the credit card business and affected the bank's profit level.Therefore,How to control the credit card business risk of Shaoyang Branch is the key to the healthy development of Shaoyang Branch.Based on the theory of risk management theory,comprehensive risk management theory and credit card risk theory,this paper analyzes the current situation of domestic and foreign research in this field through a comprehensive analysis of the ICBC Shaoyang sub-behavior research vector,Starting from the current situation of credit card business development,credit card business process and the current risk management measures of credit card business,combined with the current overall situation of credit card risk,This paper analyzes the main problems and shortcomings of credit card risk management in Shaoyang Branch from three aspects: risk identification,risk evaluation;risk management.Providing corresponding suggestions of improving risk management evaluation system of credit card,establishing the correct concept of identifying fraud risk,and improving the risk system of credit card business.Finally,from the three aspects of cultural construction,organ izational structure and management system,the author puts forward the guarantee measures for the implementation of credit card risk management strategy in Shaoyang branch of ICBC.Through the study on the optimization of credit card risk management in Shaoyang Branch of ICBC,it is hoped that Shaoyang Branch can provide certain ways and means for credit card risk management,promote the sound development of its credit card business,and increase the profit level.At the same time,we hope to be able to have a certain reference for other secondary branches of the banking industry in the management of credit card business.