《信用卡业务风险与防范》-毕业论文（设计）.docVIP

l l l 论文 信用卡业务风险与防范 申请人： 学科（专业）：金融学 指导教师： 年10月 论文题目：信用卡业务风险与防范 学科（专业）：金融学 申请人：指导教师： 摘　要 信用卡作为传统金融业务和现代信息技术结合的新兴产物，已经被普罗大众接受并且广泛使用。它已经成为与大部分人息息相关的新型货币工具。信用卡业务也因其突出的利润实现能力及在获取客户信息、竞争优质客户等方面的独特优势，成为商业银行强化客户关系管理的重要载体和手段。随着我国国民居民收入的增长以及外资银行信用卡业务抢滩中国，信用卡业务成为各商业银行业务发展的重中之重。规模扩张的同时，信用卡业务所面临的风险也逐渐凸显。信用卡业务对商业银行而言是一柄双刃剑，在带来利润的同时也蕴藏着极大的风险，可能会引致该银行流动性危机乃至波及全行业的危机。如果不在发展初期消除隐患，信用卡风险还会转化成为国内商业银行的大笔不良资产。如何借鉴国外银行的成功经验，并有效的化解和防范信用卡的风险，减少信用卡风险给银行带来的损失，就是本文着重讨论的课题。为此讨论的信用卡的风险与如何防范。以及作者的一些见解。 关 键 词： 信用卡 风险 防范 论文类型：理论研究 Title: Credit card business risk Speciality: Finance Applicant: liyang Supervisor: Prof. Yangwanping ABSTRACT Credit CARDS as traditional financial business and modern information technology, combined with the new product, has been widely accepted and the general public. It has become the most closely with the new monetary tools. Credit card business but also because of the outstanding profit realization ability and the customer information, the competition of quality customer etc, become the unique superiority of commercial bank aggrandizement of customer relationship management is an important carrier and means. With Chinas national income growth and foreign bank credit card business in China, the credit card business become subordinate to the development of commercial Banks priority. At the same time, the expansion of the credit card business risk also gradually. In the commercial bank credit card business is a double-edged sword, in the profits of also contain great risk, might cause the bank liquidity crisis and spread to the industrys crisis. If not eliminate hidden dangers and early development of credit risk will transform into domestic commercial Banks of non-performing assets. How to draw lessons from the successful experience of foreign Banks, and effectively prevent and dissolve the credit risk and reduce credit risk to the bank, the loss is discussed in this paper. This discussion of how to protect and credit risk. And some of the ideas. KEY WORDS