我国信用卡业务险控制研究.docVIP

学校代码：10254 密 级： 论文编号： 上海海事大学 SHANGHAI MARITIME UNIVERSITY 硕 士 学 位 论 文 MASTER DISSERTATION 论文题目: 我国信用卡业务风险控制研究 学科专业： 国际贸易学 作者姓名： 王晓杰 指导教师： 潘国陵 教授 完成日期： 二○一○年五月 论文独创性声明 本论文是我个人在导师指导下进行的研究工作及取得的研究成果。论文中除了特别加以标注和致谢的地方外，不包含其他人或其他机构已经发表或撰写过的研究成果。其他同志对本研究的启发和所做的贡献均已在论文中作了明确的声明并表示了谢意。 作者签名： 日期： 论文使用授权声明 本人同意上海海事大学有关保留、使用学位论文的规定，即：学校有权保留送交论文复印件，允许论文被查阅和借阅；学校可以上网公布论文的全部或部分内容，可以采用影印、缩印或者其它复制手段保存论文。保密的论文在解密后遵守此规定。 作者签名： 导师签名： 日期： 摘 要 从2003年末到2009年末这6年的时间，我国信用卡发卡量从2694万张发展到1.9亿张，人均拥有量为0.12张建立完善的风险预防、监控和处理体系ABSTRACT The number of credit card increased from 27 million to 190 million in six years. For credit card is a flexible and convenient method of payment, it is becoming an important tool of daily consumption, payment settlement and credit lending in urban and rural. Because of its characteristics of the cycle of credit, many people prefer it, and the credit card business also plays an important role in the retail business of commercial banks. However, due to its own characteristics of credit card business, its development not only brought high-yield, but also brought great risks. In recent years, many affairs on of credit card business occurred continuously in a lot of countries. In November 2003, the credit card crisis occurred in Korea，a number of banks declared bankruptcy. In February 2006, the credit card crisis occurred in Taiwan of our country, a large number of overdue borrowers and loans brought about a serious adverse effect to the whole society and economy. And the financial crisis in 2008 caused US’s credit card market to be crisis-ridden. Along with the further development of credit card business in our country, and the need of expanding the domestic demand in the background of financial crisis, how to establish the risk control system of credit card which is suit to ou