我国商业银行信用卡风险管理策略研究优秀毕业.docxVIP

我国商业银行信用卡风险管理策略研究一优秀毕业论 文 摘要 根据我国加入世贸组织的承诺，从2006年11月起屮国银行业对外资银行 全面开放， 外资银行可以为中国居民提供全方位金融服务,金融系统的垄断格局从此被 打破。 而中国银监会和中国人民银行讨论了近4年之久终于达成一致意见，有望 在2007年6 H正式颁布实施《银行卡管理条例》，此条例将取消现行个人信用卡信用额 度不得超过5 万元的上限，并允许外资银行和专业信用卡公司发行人民币信用卡，这将 对我国商业银行 信用卡业务带来巨大的影响。 与此相对应的是我国在信用卡风险管理理论研究中的滞后。发展信用卡业 务的核心的 问题是利用先进的技术手段对信用卡业务风险进行控制。在此背景下，本 文针对信用卡风 险管理设计了研究框架,并提出了一系列管理策略。 本文的正文分为四部分，第一部分是信用卡风险管理基础，主要介绍信用 卡及其作业 流程、信用卡风险的识别和信用卡风险管理的成因分析；第二部分分析我 国商业银行信用 卡风险管理现状和存在的问题；第三部分以管理控制理论为基础构建于信 用卡风险管理理 论框架，并通过广发信用卡风险管理的案例验证理论框架；第四部分是在 前文的基础上提 出信用卡风险管理的相关策略。关键词：信用卡、风险管理、管理控制 Abstract According to the joining commitment of WTO, China supported foreign banks to develop their business in November 2006. The foreign banks will provide a complete finance service for the Chinese. The monopolization of Chinese financial system was brokenBut the discussion which CBRC has discussed for 4 years with PBC had come to an agrccment finally about the credit card. The Bank Card Management Regulation is about to be promulgated and put into practice in June 2007. The regulation will cancel the upper limited amount of 50,000 RMB for personed credit card currently. The rcgulation will allow foreign banks and professional credit card companies to issue RMB credit card. This will influence credit card industry of Chinese commercial bank greatlyAnd the corresponding is that our country credit card risk management theories fell behind western countries. The core problem of developing credit card is to use the advaneed technology to control the credit card risk. Under this background, the paper designed a framework of credi t card risk management and put forward a scries of management strategiesThe paper is divided into four parts: the first part is the foundation of credit card risk management which mainly introducing credit card and its operation process, credit card risk identifying and the cause of credit card risk; the second part analyzes the present condition and the existent problems of Chinese commercial bank s credit c