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Risk Management about Credit Card on Customer Hierarchy

Author: ZhangWenBo
Tutor: YangJunLong
School: Anhui University
Course: Finance
Keywords: Credit card Risk Management Customer segmentation
CLC: F832.2
Type: Master's thesis
Year: 2010
Downloads: 320
Quote: 0
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Abstract


With the changes in the economic and financial environment, banks are facing a growing challenge. On the one hand, due to the volatility of interest rates and inflation rates to strengthen more and more difficult for them to make timely and accurate forecasts; On the other hand, the increasingly refined strengthen financial supervision, the decline in traditional business profitability, many businesses and even no longer profit, to circumvent controls and increase profits, banking and financial innovation are emerging. As an innovative retail financial products, credit cards, set of consumer credit, consumer billing, access to cash, bank transfers and other functions in one, favored by many consumers, a lot of development since its birth more than half a century, many key business and an important source of profits of the issuing bank, some banks have even become one of the most profitable sectors. The bank's credit card business in China started late, but rapid expansion, already has a considerable scale, has a broad development prospects and earnings potential. However, as a financial product, if not excellent risk control mechanism, complete and mature risk management system, it is easy to bury hidden crisis, the credit card business, it is difficult to get the healthy and sustainable development. The credit card business of Chinese commercial banks to carry out there congenital defects and acquired deficiencies, so far more than ten years only banks in the credit card business development \the management methods sketchy; China can be used for credit card risk control personal credit information system to build and keep up with the pace of the development of the credit card business, which makes China's credit card business boomed behind the potential danger. Speed ??up the construction of the issuing bank credit card business risk management system and supporting service system for the further development of the credit card business of commercial banks in China are problems to be solved. The credit card business is built in cardholder spending, lending practices on the basis of a credit instrument, private and detailed characteristics of its risk management must be established to be able to correctly grasp of cardholder features efficient use of Bank limited resources to effectively identify, measure and manage risk. Therefore, with the upgrade of the credit card business development division of the credit card customers from extensive to intensive inevitable trend of the development of the credit card business. Whether it is profitable for risk control, and to distinguish between different groups of customers can make the work more effective. Provide differentiated services to different customer groups to effectively reduce costs, increase profits, reduce risk, and enhance the competitiveness of the bank. On the basis of in analysis of customer behavior is closely related to credit risk, as well as the characteristics of these risks, the causes, combined to produce the characteristics of the objective conditions of risk or potential risk customers, psychological characteristics and behavioral characteristics, stratified risk study of credit card customers the applicability of the Management. Learn from the existing customer segmentation model, combined with the purpose of strengthening risk management, scientifically selected risk indicators of customer behavior to build a hierarchical model of customer risk management. Hierarchical form a reasonable study the characteristics of the different levels of customer risk, analysis layers clients the similarities and differences of the risk management, focused on the extent and focus of the corresponding layers risk management, to take a different risk management measures to achieve a reasonable distribution of risk management of resources, and improve the efficiency of the credit card business risk management objectives. The first part describes the theoretical basis of the thesis. One type of credit card risk and credit card risk management research status and basic theory: introduced the theory of customer classification, role and now a major customer classifications; examine customer classification in credit risk management application. The second part of the analysis of the characteristics of the various types of credit risk primarily triggered by customer behavior, dissect the impact of various risk factors, and analyze how various factors affect the level of risk of the credit card business. Select the appropriate measure of the credit card risk, the risk measure. The third part, on the basis of analyzing the credit card customer behavior characteristics reasonably select customers may lead to the risk of behavioral characteristics of indicators, build customer segmentation model as the basis of classification factors. The fourth part, the first part of the established customer segmentation model based on customer specific hierarchical characteristics the commonalities and risks common analysis of layers clients, make policy recommendations on this basis, to take the risk of different layers users management measures, configuration corresponding proportion of the risk management resources. Concluding outlook concludes the beneficial aspects of the management of customer segmentation illustrate the implementation of the risk management and looking forward to the prospects for the development of China's credit card business development and risk management system.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business
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