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《Journal of Beijing Agricultural College》 2006-01
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Management of the Risk of Credit Card Scientifically by Rightly Recognizing the Business Essence

SHU Qing-hua,LI Rui (The Industrial and Commercial Bank of China,Beijing 100031,China;Beijing Agricultural College,Beijing 102206,China)  
The credit card industry,which will be one of the main drives that could increase the bank's profit, is becoming the development focus for the banks and especially foreign banks. Facing the incisive competition, we could make the credit card industry continuous and healthy development on the condition that we had understood the essence of it and manage the risk scientifically. The essence of the credit card industry is asset business, and the asset business should have the risk, so risk management is the central business of the credit card industry. If we had to establish right risk management concept,and obey the Law of Large Numbers, centralize the risk control, make risk management throughout the whole business process, then the risk could be predictive and controlled.
【CateGory Index】: F832.2
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【Citations】
Chinese Journal Full-text Database 2 Hits
1 Ma Teng;On the Business Strategy of Credit Card Business[J];Journal of Finance;2004-12
2 Yang Huafu;Analysis and Avoidance of Credit Card Risk[J];Science Mosaic;2004-07
【Co-citations】
Chinese Journal Full-text Database 2 Hits
1 YE De-zhu (School of Economics,Jinan University,Guangzhou 510632,China);The Cognitive Bias of Consumers and the Policy Adjustment for Credit Card Industry in China[J];Commercial Research;2009-06
2 XING Zheng-yu,CHEN Wei-min,LI Ke (Faculty of Management and Economics,Kunming University of Science and Technology,Kunming 650093,China);Thinking about the Risk Management of Commercial Bank's Credit Card Business[J];Hainan Finance;2005-09
【Co-references】
Chinese Journal Full-text Database 10 Hits
1 LIN Xia((Economic Institute of Sichuan University,Chengdu 610064,China));New Basel Capital Accord and Operating Risk Management of Commercial Bank[J];Journal of Chengdu University (Natural Science);2005-03
2 ;Improvement of Chinese Legal System on Bank Card Industry[J];;2005-08
3 ZHANG Xue-tao,TONG Jing(Finance College,Hunan University,Changsha,Hunan 410079,China);The Empirical Analysis of Commercial Banks' Operational Risk and the Calculation of Venture Capital[J];The Theory and Practice of Finance and Economics;2006-03
4 XING Zheng-yu,CHEN Wei-min,LI Ke (Faculty of Management and Economics,Kunming University of Science and Technology,Kunming 650093,China);Thinking about the Risk Management of Commercial Bank's Credit Card Business[J];Hainan Finance;2005-09
5 Wang Li-zhi;The Defrauding Crime of Credit Card and the Countermeasures[J];Financial Theory and Practice;2003-02
6 Li Hui-ming,Ding Xin-wei;The Impact of Risk Measurement Stipulated in The New Basel Capital Accord on China[J];Financial Theory and Practice;2003-11
7 ;新巴塞尔资本协议视角下的信用卡业务[J];Journal of Finance;2005-07
8 Li Zhihui,Fan Hongbo;New Basel Capital Accord and the Operational Risk Management of Commercial Bank[J];Nankai Economic Studies;2005-06
9 ZhOU Xian-zhi, ZhENG Jia(Law School, University of Jinan, Guangzhou, Guangdong Province 510632,China);On System Construction of Legal Supervision on Risks of Credit Card Overdrawn[J];Legal Forum;2005-02
10 ;The Credit Card Business Risk[J];Economy Shanghai;2006-07
【Secondary References】
Chinese Journal Full-text Database 1 Hits
1 ZHOU Lei(Department of Automation,Shanghai Jiaotong University,Shanghai 200126,China);The Application of Personal Credit Risk Prevention System in Consumption Credit[J];Journal of Lanzhou Polytechnic College;2009-01
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