Abstract
The credit risk in the credit card business of the our country commercial bank bring of loss, have become bank loss of main source. In recent years, along with the financial market is in the our country of continuously development, credit risk also gradual become banking to face of importance one of the risks, is also finance system system risk importance of direct source. Valid of control with guard against the credit risk of bank, to the credit risk carry on system overall of management, have already become our country banking credit card business in most importance of one of the mission. Currently, the our country business development of the commercial bank credit card quick, the credit risk bring of loss present up-trend; The exterior environment of credit risk management isn't perfect; Credit risk the whole index sign be low. Therefore, establishment exterior management system, and strengthen inner part the credit risk of the credit card management; The establishment suit actual of risk management strategy; Strengthen to gain confidence to examine business a management, excellent turn homework process; Usage risk control technique, exaltation credit risk control level.