The essence of credit card business is credit business, so the credit card risk mainly refers to the degree of risk that customers will lose money in the future. However, it is different from simple credit business. Credit card business is a very special new business, which involves the assets, liabilities and intermediary business of banks. Moreover, when commercial banks operate credit card business, there is bound to be more or less the possibility of capital loss, so this risk is inevitable.
Credit card business is a complex and comprehensive banking business, and its risk characteristics are special compared with other businesses. There is information asymmetry between issuing bank and cardholder, so its risk characteristics are unpredictable; During the interest-free period, the bank can't monitor the cardholder's economic situation in real time, so its risk characteristics are lagging behind; Credit card holders are independent of each other, and their economic conditions and regions are mostly different, so their risk characteristics are diverse; The profit law of credit card business can also be quantitatively analyzed, which conforms to some data models, so its characteristics are regular.
Why use credit card risk management? What convenience can it bring to our life?
Credit card business is a business that pays equal attention to high income and high risk. Strengthening credit card risk management, effectively reducing credit card risk loss, and preventing and controlling possible risks are helpful to safeguard commercial banks' own economic interests; Strengthening credit card risk management can create a good environment for the society to use credit cards, leave a good impression in the hearts of customers, and then improve the bank's own image and lay a solid foundation for the sustainable development of commercial banks; Strengthening credit card risk management can reduce the illegal risk and operational risk brought by some special merchants and cardholders, safeguard the interests of special merchants and cardholders, and enhance the public's confidence in banks, thus making the credit card business of commercial banks develop better.
I believe that through the above introduction, everyone has a simple understanding of credit card risk management, and major banks have been committed to managing our credit card security. Here, I would like to remind all credit card users to abide by the bank's credit card regulations, otherwise the credit limit may be reduced, or the credit blacklist may be pulled into QVQ.