College students credit card status and risk Analysis（大学生信用卡状态和风险分析）.doc

College students credit card status and risk Analysis Abstract: Students in the credit card is a special group, students have easy thing to accept new ideas and new features, especially the West, ‘consumer first, pay later’ consumer attitudes. In this paper, the generation of college students credit card, explain the status quo, Students analyze a variety of credit card risk and make risk control measures and countermeasures. Keywords: credit card, the status quo, risk; measures First, the background September 20, 2004, gold with integrity and Guangdong Development Bank jointly issued the first credit card college students in China’s banking sector triggered a wave of competing credit card for college students, such as the bank’s prestigious Dragon cards, investment banking Young card, credit card Industrial Bank of Garfield, CITIC Bank, CITIC I card, student card, ICBC Peony, etc. This not only has the general college credit cards credit card also has its own unique characteristic features, only need to fill out an application form provide a copy of student ID card and not a guarantor under the credit card can apply for. Second, the status quo 1 The data show that 53.7% of college students have credit cards, credit card holders of college students shows a positive attitude, it can also be seen that college students credit card market still has great potential in the card number, the holder of a credit card as high as 68.3%, with substantial numbers of students bid for the two credit cards. (2) is mainly due to credit card processing easy to use and can be overdrawn, in addition, there are convenient fashion credit card, get a small gift, to increase credit score and credit and so on. 3 students with the relevant provisions of the credit card is not very clear, which reflects the banks to promote credit cards to college students and credit cards did not carry out the terms and detailed descriptions of functions, and many students a