A Case Study On Credit Card Risk Management Of China Merchants Bank

Credit cards now play an important role in the profitable business structure of banks.Risk management of a credit card is crucial to maximize the credit card business.By doing a good job in risk management,we can accurately locate high-quality customers,prevent customer overdue risks,reduce bank bad debts,and promote the continuous development of credit card business.China Merchants bank credit card business has always been among the best in the industry,its credit card business risk management problems are representative and typical.With the China Merchants Bank,China Merchants Bank credit card risk.This paper uses the literature review,case analysis and quantitative and qualitative methods.By collecting,reading,summarizing domestic and abroad references,analyzing previous research ideas,to establish the theoretical framework of this paper,and then select China merchants bank as the analysis object,By quantified the means of integration and quality,we systematically analyze the literature and data,summarize the problems and causes in credit card risk management,and establish the optimization scheme in a directional way.For problems in credit card risk management,strengthen credit card risk prevention,improve personal credit investigation system,improve the training of risk control personnel in credit card circulation,improve the role of fintech in credit card center,adjust policies in real-time,learn advanced foreign management technology,improve credit card risk control,strengthen the construction of asset collection system,improve service quality and reduce complaint indicators.