商业银行信用卡风险管理

ABSTRACTWith the rapid development of the economy,our country's credit card business has developed a long-termdevelopment.The credit card must strictly control the risk in the process of large development,only to developin steady,in order to sustainable health development.China Merchants Bank continues to focus oncustomer-centric,with the palm life app as the platform,with technology-based mobile service capabilityupgrade,focus on high-frequency living consumption scene to create quality life,lead the transformation of thecredit card industry.This paper uses China Merchants Bank credit card as an example,expounds the currentstatus and risk of commercial bank credit cards,analyzes the status quo and existence of China Merchants Bankcredit card risk management,three major risk factors,respectively,personal credit system is imperfect,relatedlaw not perfect,bank internal risk management is not in place,and the relevant main body of credit cardbusiness lacks risk awareness.It also proposes a targeted solution strategy,and strives to make credit beforecredit approval and credit monitoring,after loans,the system is combed,which is intended to provide a certainreference and reference for commercial bank credit card risk management..Keywords:Commercial banks;Credit card;Risk management2