地市级农行信用卡风险管理的研究.doc

地市级农行信用卡风险管理研究 摘 要 信用卡作为新兴的支付工具和信用手段，以其具有消费信贷、支付结算和 使用方便等特点，受到消费者的欢迎，信用卡的市场规模也迅速扩大。我国的 信用卡业务正处于战略机遇期，具有巨大的发展空间和潜力。但是，随着信用 卡业务的进一步发展，信用卡风险的发生也越来越频繁，因此，对信用卡风险 进行控制管理就尤为重要。研究地市级农行信用卡风险管理的现状及采取有效 的风险管理对策，不仅对地市级农行的信用卡业务的发展具有理论和现实的意 义，而且对促进我国商业银行尤其是国内国有商业银行的信用卡风险管理也有 重要的理论和现实意义。 本文从理论与实践相结合的角度出发，首先介绍了信用卡风险的分类、特 点及信用卡风险管理的相关理论基础，包括风险管理的概念、原则、目标和风 险防范的方法。 然后介绍了地市级农行信用卡产品、组织结构及内外部发展的现状。分析 了地市级农行信用卡风险管理存在的问题，主要有风险管理理念尚不到位、内 控管理机制薄弱、技术手段相对落后、风险评估指标体系和专业人才的缺乏。 结合信用卡风险实际，提出了相应的改进对策。 最后，本文就目前地市级农行信用卡风险管理技术应用方面的不足，提出 了信用卡风险管理信息系统的设计与实现。 关键词：地市级农行；信用卡；风险管理；信用卡风险管理 Research on the Risk Management of the Credit Card in Municipal Agricultural Bank of China ABSTRACT Credit card as a new type of payment instrument and a means of credit, is characterized with consume loan、 settlement and convenient. It is welcomed by consumers. Credit card business has grown faster .Chinas credit card business is in a period of strategic opportunity, and has enormous development space and potential as well as. However, with the further development of credit card business, the occurrence of credit card risk is more frequent. Therefore, the control and management of credit card risk is particularly important. The study of the actuality and the adoption about effective risk management measures of credit card risk management in the municipal agricultural bank, may give guidance to improve its credit card development. Furthermore, it has both theoretical and practical significance for the improvement of credit card risk management of our commercial banks, especially states-owned ones. Based on the integration of theory and practice, firstly the article introduces the definition of credit card risk, analyses the kinds and characteristics of credit card risk. The article gives the overview of credit card risk management, including the concepts, principles, objectives and risk control methods of credit card risk management. Secondly, the article analyses the products, organize structure, and the internal and e