毕业论文---商业银行信用卡风险管理研究.doc

摘 要 改革开放以来,中国经济,居民不断增强,对外交流。随着金融自由化、金融衍生工具不断发展，近年来我国银行信用卡市场发展速度非常迅猛，从2003年我国信用卡业务起步至今，每年的发卡量均增长80%以上。信用卡作为一种现代化、大众化的金融产品，其迅速发展一方面越来越受到市场和客户的普遍欢迎，另一方面，受种因素的影响，商业银行在信用卡业务，面临的风险也越来越大、ABSTRACT Since the reform and opening up, Chinas rapid economic development, the residents consumption level unceasingly strengthens, foreign exchange increasingly intensified. With the financial liberalization, the continuous development of financial derivatives in recent years, our country commercial bank credit card market development speed very fast, from our 2003 credit card business started a year since more than 80% of the country are growing. Credit card as a modern, popular financial product, its rapid development on one hand has been more and more popular in market and customers, on the other hand, affected by many kinds of factors, commercial Banks in credit card business, send a process of unknown risk facing more and more is also big. At present, Chinas commercial Banks internal to credit card risk management concepts and technology is relatively backward, and the external environment of credit risk management is not perfect. So, commercial bank credit risk management should stand in the overall height, credit card risk characteristics and systematic understanding reasons, adhere to the internal strict management and the external environment of constructing perfect combination, to improve our credit risk management level, and promote the healthy development of credit card business, financial industry driven steady progress. Key words：Credit card; Credit risk; Credit risk management 摘 要 Ⅰ ABSTRACT Ⅱ 一、前言 4 （一）研究背景 4 （二）研究内容 5 二、我国商业银行信用卡发展概述 5 （一）信用卡涵义义与业务特点 6 （二）商业银行信用卡风险分类 6 三、商业银行信用卡业务风险现状及其形成原因 7 （一）我国商业银行信用卡业务风险的现状 8 1．我国的社会征信不完善，尚未建立科学的风险管理体系 8 2．商业银行发卡授信和审批政策不严格 8 3.我国发卡银行风险管理人才严重匮乏以及信息技术的运用也严重滞后 8 4．信用卡欠款人口结构发生明显变化和不良率不断上升 9 （二）国外信用卡业务风险现状 9 1.具有完善防范信用卡风险的法律体系 9 2.形成了完善的社会征信系统和个人信用制度 9 3.建立了审慎的监管机制和个人风险预警机制 10 （三）我国商业银行信用卡风险问题形成的原因 10 1.信息的不对称 10 2．尚未形成正确的风险管理理