英文翻译：

This text pass analysis credit card business of risk type, commence from the basic process of the credit card business, analysis the credit card business of the our country commercial bank of risk present condition, and to card holder of economy and property letter condition, reputation grade point, risk compensate mechanism, abnormality trade supervision, special contract seller management, credit card delinquent debt pit sell and related law system etc. carry on analysis and put forward the credit card risk management of the norm commercial bank suggestion an opinion.

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Through analysis of the risk of credit card business types, the credit card business from the start with the basic processes, analysis of China's commercial banks credit card operations of the risk of the status quo, and the cardholder's economic and credit conditions, credit scoring, risk compensation mechanism, monitoring unusual transactions, Merchant Household management, credit card write off bad debts and related legal system, and other aspects of analysis, the norms of commercial banks credit card risk management proposals observations.