The Study Of The Risk Management Of The Credit Card System Supporting Project In Company T

China’s credit card industry has been developing for nearly 40 years,during which it has experienced several technological innovations and industrial changes.Under the promotion of the process of economic globalization,the total number of credit cards issued in China has been rising year by year.According to the statistics of the People’s Bank of China,the total number of credit cards issued in China is expected to approach the mark of 800 million before 2021.Personal consumption the urgency of the financial system needs to make the traditional credit card to develop in the direction of individuation and diversification,and the media reported a growing number of personal credit problems,also the existing credit card regulation system and security system put forward higher request,to explore the use of a more comprehensive technical means to effectively control financial risks in consumption,become an urgent problem in the credit card industry in China.The normal use of credit cards cannot be separated from the background support of the credit card system,so this paper systematically studies the problem of credit card system.T company credit card system as the research object,from project start to the end of the project,the project divided into participants risk,late early risk,medium risk,risk and other risks,such as five stages,analyze requirements,design,development,testing,production,such as node risk,through the method of literature investigation method,qualitative risk assessment,CMMI risk assessment process,the expert evaluation method includes quantitative and qualitative risk assessment,based on the evaluation results put forward the constructive measures,through the whole process of iteration in T company risk control,the overall control effect is shown in the sixth iteration online risk control and intervention.Compared with the first five iterations tracked,the time spent has decreased significantly,and after the sixth iteration,the cycle time of each iteration has leveled off.This paper studies the whole set of credit card system risks and systematically analyzes the risks at each stage of the project qualitatively and quantitatively.By implementing control measures,the system defect rate is significantly reduced and the number of stable iterations of the system is determined,which can provide a certain research basis for the research of system development projects.T company by combining the actual usage,and defect according to the requirements of commercial bank’s feedback,analysis the T company risk and potential risks in the credit card system,control the risk from each sub-process,control from beginning to the end,so as to reduce the defect rate of credit card system,and improve the quality of the credit card system,so that it can better service for the general credit card users,also get more recognition of commercial Banks,so as to promote the credit card system,promote the further development of the credit card market.