Author(s)

Xuelin Dong ¹, Taolong Li ¹, Yadi Yao ¹

Affiliation(s)

¹ School of Economics, Guangzhou College of Commerce, Guangzhou, 511363, China

Corresponding Author

Xuelin Dong

ABSTRACT

In today's society, although the scope of credit card business is widely popularized, it also meets people's daily financial trading service needs, but its risk of use cannot be ignored. This article aims to use the historic Guangzhou Rural Commercial Bank Tangxia Branch as a breakthrough, and explain the problem of the bank's credit card business in the process of risk management through the literature research method and case analysis method, and then discover the bank's credit card business risk management The status quo is not optimistic, and its business environment is relatively poor, which is mainly related to factors such as the cardholder's security awareness, the service level of the card issuer and the management measures. Based on this, the author believes that individuals and society must start from the cardholders' risk management awareness and risk management system, and effectively avoid the risks of credit cards during use and operation in order to ensure scientific and rationalization of credit card business risk management.

KEYWORDS

Credit card, risk, commercial bank, risk management, interest rate

CITE THIS PAPER

Xuelin Dong, Taolong Li, Yadi Yao, Research on Risk Management of Credit Card Business of Tangxia Branch of Guangzhou Rural Commercial Bank. Financial Engineering and Risk Management (2023) Vol. 6: 9-16. DOI: http://dx.doi.org/10.23977/ferm.2023.060502.

REFERENCES

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[3] Liu Jun. (2020) Research on financial exposure management of credit card business of Beijing Rural Commercial Bank. Journal of Capital University of Economics and Business, 16 (06): 45-56.
[4] Xiao Rixin. (2016 ) Research on Risk Management of Credit Card Business of China Construction Bank Hunan Branch, Journal of Hefei University of Technology, 25 (05): 5-11.
[5] Yu Hongbo. (2017) Research on Risk Management of Credit Card Business of Minsheng Bank. Journal of Wuhan University of Technology, 16 (06): 45-56.
[6] Pei Sheng. (2021)Risk Analysis and Prevention and Control Suggestions of Postal Savings Bank Credit Card Business. Journal of Postal Savings Bank of China Anhui Branch, 19 (03): 42-45.
[7] Hu Hao. (2015) Research on Risk Management of Credit Card Business of Ningbo Bank. Journal of Changsha University of Science and Technology, 12 (16): 45-56.
[8] Yu Hui. (2015) Research on Risk Management of Credit Card Business of Agricultural Bank of China Chuzhou Branch. Anhui University, 16 (11): 45-49.
[9] Fang Kuangnan. (2010) Research on credit risk of credit card under asymmetric credit information. Journal of Economic Research, 45 (S1): 97-107.
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