浅谈我国信用卡业务风险及防范策略.doc

信息吋代的个性化■:餓綿理下船牌分析 题目：赚我酿肺賴雕及管理建议 浅谈我国信用卡违约风险及管理建议 ［ ］信用卡这一全球通用的、现代化的货币形式，正在开创一个崭新的时代。 中国也正已加速度步入这一吋代。信用卡是一项高风险、高收益的产业。中国 的信用卡在过去10年一直爆发性进行增长。发卡量的增加，带来了消费额和透 支余额的增加，与此同时个人违约的案例也不断增加，我国信用卡业务也蕴藏 着巨大的风险，如何平衡信用卡发行收益和风险这天平的两端已成为众多商业 银行面临的难题，因此研究分析国内银行信用卡违约风险管理现状，影响因素 及管理策略，对银行信用卡业务发展具有理论和重要的现实意义。本文介绍了 信用卡风险的含义、特点和风险分类，得出违约风险是信用卡业务的主要风险。 然后通过对国内违约现状进行回顾，结合某些典型信用卡的违约案例，对我国 违约风险产生的原因进行了理论分析，最后针对本研究分析结果，结合影响个 人违约的因素，分别从行内和行外两个方面出发，有针对性地提出控制违约风 险的对策，对有效降低我国信用卡违约风险具有-定的现实指导意义。 ［关键字］信用卡违约风险风险管理持卡人 浅谈我国倌用十业务风险及防范策略 Default risk and management suggestions on China’s credit card [Abstract] Credit card this universal, modern monetary form, is ushering in a new era. China also has entered the era of acceleration. Credit card is a high risk, high profit industry. China credit card in the past 10 years has been explosive growth. Increase the amount of credit card issuers, brought an increase in consumption and overdraft balance, at the same time personal default cases are increasing, the credit card business of our country also has great risks, how to balance both ends of credit card issuance risk and return the balance has become a problem for many commercial banks, so the Study on default risk management present situation analysis the domestic bank credit card, influence factors and management strategies, has important theoretical and practical significance to the business development bank credit card. This paper introduces the meaning, characteristics and risk classification of credit card risk, the default risk is the main risk of credit card business. Then through the current default on domestic review, combining some typical credit card defaults, for reasons of China’s default risk are analyzed, finally, based on the analysis results, combined with the factors affecting the individual default, respectively from the internal and external two aspects, the author puts forward the Countermeasures of breach of contract risk control, to reduce the risk of default has a certain practic