商业银行信用卡信用风险评估研究-应用统计学专业论文.docxVIP

Ab Ab stract With the rising living standards，residents’consumption habits have also be changed，and the concept of advance consumption is growing in popularity,which has promoted the rapid development of credit card in commercial banks．Credit card is a kind of business without any collateral，however’there are many uncertain factors in economic life，which lead to the increasingly default rates on the credit card of commercial banks．Especially in recent years，default rates on credit card is increasing even faster．So commercial banks should put a high premium on prevention．In addition，after many years of accumulation，there is a large number of historical data in credit card system．However they are drowning in mass data but starved of information．Secondly,many foreign advanced banks have explored many effective methods of credit risk assessment system，and these methods have applied to the issuing agencies．Because of the lack of experience in risk assessment of credit card in china，we have a lot of wok to do，compared with the high income of the credit card in foreign banks．Experience shows that the high profit of credit card is built on the basis of better control of the credit risk of credit card．Therefore，only by making full use of credit card business data，being combined with the credit card credit risk management theory,using the appropriate credit card credit risk assessment methods， establishing a good card credit risk assessment model，can commercial banks achieve high efficiency of credit risk management of credit． This paper firstly gives a brief introduction of organization，development modelthe，and current situation of credit card，presents three main risks of it，and points out that the credit risk is the maj or risk of the credit card，which is should be controlled urgently．And then analyses reasons of the risk from the aspects of cardholder,card issuers and others．After analyzing and comparing different credit risk assessment models，such as Logistic Regression