Research On Risk Management Of Credit Card Business Of Small And Medium-Sized Commercial Banks In The Post Epidemic Era Of COVID-19

Credit card business has attracted much attention from commercial banks because of its wide industry and regional distribution of credit customers,large potential customer base and low customer acquisition cost.However,the development of credit card industry also faces great challenges due to the cyclical fluctuations of domestic and foreign macroeconomic and the impact of public emergencies.The asset quality and risk management of credit card business continue to be under multiple pressure.The risk management of credit card business involves many indicators,and the risk preference and business strategy of different banks are also different.It is of great significance for small and medium-sized commercial banks to analyze and select reasonable indicators to monitor and evaluate risk management.In the post-pandemic era,the COVID-19 pandemic is still likely to occur sporadically at a regional level,not completely disappear in the short term,and will have a long-term impact on various aspects of macro and micro economy.By studying theories related to the development of commercial banks’ credit card business and risk management,this thesis focuses on the important factors affecting the risk management of small and medium-sized commercial banks under the continuous epidemic,carries out an empirical analysis on the non-performing loan ratio,the core business indicator of credit card risk management,and analyzes the representative tail credit card business of small and medium-sized commercial banks.It is pointed out that domestic banking financial institutions are affected by the continuous transmission effect of the epidemic,the decline of financial asset quality is more obvious,and the rising trend of bad credit business is more obvious.The changes of the epidemic and macroeconomic changes have a significant impact on the non-performing loan ratio index of credit cards.Small and medium-sized commercial banks should pay more attention to the changes of macroeconomic indicators in the actual operation process,and take non-performing loan ratio management as the core of risk management.Customer group selection has an important impact on the non-performing loan rate of credit card business.Small and medium-sized commercial banks need to pay more attention to customer group management and credit management of high-quality cards,pay attention to the flow of credit card funds,accelerate the transformation of credit card business,and steadily improve business income.Non-performing loan ratio is a core index to measure and evaluate the operating results of small and medium-sized commercial banks.It is of great practical significance for small and medium-sized commercial banks to effectively control credit card business risks and manage non-performing loan ratio stably and prudently.