Research On The Credit Card Risk Control Of Agricultural Bank Of China DY Branch

With the constant transformation and upgrading of China's financial markets and the rapid development of the credit card market,the issuance and consumption of major commercial banks have risen sharply and their market competition has become increasingly fierce.However,compared with the developed countries,the credit card business started relatively late in our country,with a weak foundation for development and regulations and rules to be further improved.With the accumulation of business experience,the quality and efficiency of business are relatively low.In addition,Business model,the current credit risk management and control of our country is very serious,the security of the national financial markets,the stability of the financial order has been threatened.Risk control ability determines the profitability of commercial banks and the level of sustainable development.Therefore,commercial banks should attach great importance to risk control,establish awareness of risk management,improve risk prevention and control system and improve risk management capabilities,which are not only the actual requirements of external regulation but also the necessary conditions of internal development.In recent years,Agricultural Bank of China DY branch continuously innovates credit card business,strengthens market expansion and rapid development of credit card business.During the period,credit card risk gradually exposed,entering a period of high incidence of non-performing loans,the non-performing loans increased year by year,increasing pressure on risk control.This article studies credit card risk management and has important practical significance for further improving the credit risk management framework of commercial banks and promoting the continuous,safe and stable development of credit card business.Based on the theory of risk control of commercial banks,this paper draws lessons from the risk management experience and mode of credit card business development at home and abroad for the classification,identification and analysis of the risks in different fields,projects and business processes of credit card business.On this basis,the author put forward some countermeasures.Firstly,we must optimize the credit card pre-loan review standard.Strict implementation of credit audit procedures to improve the credit audit access threshold;the second is to strengthen the dynamic credit card credit monitoring.Science to strengthen theoverdraft asset quality management,strict transaction monitoring,and strengthen the risk control;third is to make credit card lending collection work.Accelerate the collection of non-performing assets collection team,strengthen credit deferred collection work,to take asset recovery outsourcing and other means;Fourthly,establish a sound credit risk control system.Standardize risk management system,establish risk control organizational structure and optimize risk control system,strengthen risk control and improve risk guarantee mechanism,and enrich risk management measures.