Optimization Study On Huarong Xiangjiang Bank’s Credit Card Intelligent Approval System

With the continuous development of the credit card industry,the traditional credit card customer transaction behaviour-based business approach has gradually transitioned to a new stage of data-driven,analysis and decision-making capabilities to improve credit card operations and risk management capabilities.As a result,the requirements for credit card systems have gradually expanded from the original core of credit card issuance to a marketing system that can support omni-channel entry and process management,a decision-making system that can support the whole process of credit card operation and risk control,and a more flexible process scheduling system,making the support operations of the system for the business more obvious and the requirements of the business for the system increasingly high.This paper takes Huarong Xiangjiang Bank’s credit card intelligent approval system as the research object,and deeply studies the credit card approval system of Huarong Xiangjiang Bank and its optimization.By consulting a large number of documents and on-the-spot investigations,the thesis analyzes the problems existing in the credit card approval system of Huarong Xiangjiang Bank,such as the unscientific structure of the approval system,the backward operation mode of the approval system,the weak pre-loan risk control technology,and the low data utilization rate.Based on the principle of risk minimization,systematization and flexibility,it puts forward specific recommendations from four aspects: optimizing the approval mode,improving the risk control strategy,optimizing the data application and upgrading the system service.The optimization plan was finally discussed from the implementation steps and key points,the main guarantees such as system,organization,manpower,technology and culture,and the effect of the implementation of the optimization plan of the bank’s credit card intelligent approval system was estimated.The optimization scheme of the credit card intelligent approval system proposed in this paper has important reference value for regional bank credit card automatic approval and credit decision-making process,and also has certain reference significance for other commercial banks’ pre-lending risk control strategies.