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Since the beginning of the 21st century , China 's commercial banks in the credit card business card volume , volume, and using card a great deal of development . With the increasing credit card volume and frequency of use , the credit card loan balance growth spurt . At the same time, the risk management of the credit card business situation is worsening . Credit risk , operational risk , fraud risk , and the risk of becoming increasingly prominent , and appear in a variety of new forms , an important factor restricting credit card business long - term , rapid and healthy development . Valid credit card asset quality and risk management has become the major issue faced by the issuing bank . In this paper, in recent years, the development of the domestic credit card industry situation and characteristics of credit card asset quality and risk management , credit risk , operational risk , fraud risk faced by the domestic credit card classification , summary , analysis , credit risk trends forecast and judge at the same time explore to improve risk management strategy , and propose appropriate credit risk management recommendations and countermeasures .
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