阐释信用卡支付风险控制系统.docVIP

　　阐释信用卡支付风险控制系统 阐释信用卡支付风险控制系统 导读： 摘要 　　最近一段时间的经济发展和对外开放深度的加大，我国的信用卡业务发展迅猛，我国一些主要的银行对信用卡业务重视程度也在日益的提高，并且开始将信用卡作为未来发展的战略性业务，同时都在最大程度上扩大信用卡的发展，这将会使我国的信用卡风险有急剧增长的可能[1]。信用卡业务在我国虽然起步较晚，但发展速度较快，目前，已被国内广大消费者所接受，并且渗透到生活的各个消费领域。就其业务增长速度而言，信用卡给我们带来的不仅是诸多便利，随之而来的还有种种风险。就其发展阶段而言，我国开展信用卡业务时间不长，风险管理、控制的经验相对缺乏，投入资源不足，导致信用卡支付风险控制方面存在着一定的缺陷，另外由于技术、用卡环境及征信系统等方面客观条件的限制，信用卡市场的???险不断凸显，这增加了发卡机构及持卡人发生损失的机率。就信用卡本身而言，作为一种与个人信用相结合的现代化支付工具，其本身就具有一定的风险性。那么我国应该怎样对信用卡的监督和防止信用卡支付出现的风险和犯罪，以及减少发行信用卡所造成的损失，在最大程度上保护合法受益者的合法权益，保证信用卡业务能够良好的发展，构造一个稳定的经济市场，这是我国未来经济发展的重要问题本文通过对目前国内存在的信用卡支付风险现状进行研究，在此基础上制定了相对应的风险控制规则，设计出了一个信用卡支付风险防范与监控系统模型，并且成功地对该系统进行了实现。 　　关键词：信用卡，风险，监控系统，控制规则 Abstract In recent years，ic development and opening up of the deepening，Chinas credit card business has been rapid development，mercial banks pay more attention to the credit card business, and gradually be treated as an important strategic business each bank card volume increased substantially.Credit card business in China started late, but the development of faster.At present, the majority of domestic consumer acceptance and peration to the life in all areas of consumption.The purposes of its business groent, to carry out the credit card business in China not long.Risk management, control experience relative lack of investment in a lack of resources, there are still some defects lead to credit card payment risk control.In addition, as the technology, the card environment and credit system objective constraints,continue to highlight the risk of the credit card market, odern payment instruments, e risks.So hoonitor and guard against the risk of credit card payments, reduce the loss of the issuing bank and safeguard the legitimate interests of the beneficiaries, and promote the healthy development of the credit card business, in order to maintain market stability, has bee an important issue that estic credit card payment risk status, and on this basis to develop the corresponding risk control rules, to design a credit card to pa