What are the problems in credit card risk management in my country?

Although the laws, regulations and policies for credit card operation and management in my country are constantly improving, commercial banks are also constantly improving their credit

The technology and level of card risk management. However, since the development of credit cards in my country is still in its infancy, the level and experience of risk management are still insufficient. Compared with the internationally advanced credit card risk management system, there is a big gap in the domestic credit card risk management system. , these problems and gaps are mainly reflected in:

1. In terms of risk management content, at this stage, it is mainly a single credit risk management, rather than multiple types of risk management such as credit, market, and operations. Focusing on traditional businesses, the management of new businesses and new technologies is relatively weak.

2. In the risk management method, the direct management method of approving credit is mainly used, while the indirect management method of using models to conduct quantitative risk analysis is relatively weak.

3. Risk management focuses on post-event risk prevention, while pre-event risk warning and real-time risk management are relatively weak.

4. Risk management is more of an end-of-pipe governance management, rather than a combination of source control and end-of-pipe governance management.

5. Regarding risk management objects, it mainly focuses on single credit loans, and the overall risk process control is relatively weak.

Restricted by factors such as the conceptual system and the socio-economic environment, domestic banks generally have problems such as insufficient understanding of the particularities of the credit card business, weak foundations for risk management, and the risk management system cannot adapt to the development of the credit card business. has been exposed, which to a certain extent has restricted the development of the domestic credit card business. .Preventive measures:

Establish a personal credit reporting system and improve the social integrity system

Establishment of my country's personal credit reporting system

Use legal means to regulate credit card consumption

Improve the overall quality of employees and strictly standardize business operations