商业银行信用卡的风险管理研究.docxVIP

商业银行信用卡风险管理研究——以中国农业银行为例 摘要:信用卡出现在美国，它的发展速度惊人，短短半世纪，就已成为全世界重要的个人金融产品和主要的交易方式之一；信用卡逐渐在中国出现，成为每家每户人人必备的一部分，它更是成为各大商业银行主流业务之一，银行从中收取逾期款项追加利息、服务费、年费等；随着经济全球化的加速，银行为了增加中间业务收入、争取市场份额，各大商业银行的竞争愈演愈烈，导致信用卡在市场的量越来越多；由于管理能力、管理风险技术、安全意识的薄弱，及危害性大、涉及面广等，更是增加各个银行的风险。 所以，本文以中国农业银行发展现状、信用卡风险管理现状等为例进行分析，分别对其信用卡业务面临的各种风险进行分析，希望能探索出一条长远发展且适合各大商业银行的信用卡风险管理方法。 关键词：中国农业银行，信用卡，风险管理 A study on credit card risk management of commercial banks -- Taking Agricultural Bank of China as an example Abstract:The invention of credit card appeared in the United States. Its development speed is amazing. In just half a century, it has become one of the important personal financial products and main trading methods in the world; Gradually, the emergence of credit card in China has become an essential part of every household. It has also become one of the mainstream businesses of major commercial banks, from which overdue payments are collected to add interest, service fees, annual fees, etc.; with the further acceleration of economic globalization, in order to increase the income of intermediary business and strive for market share, the competition among major commercial banks is becoming increasingly fierce, leading to As a result, more and more credit cards are issued in the market; due to the weakness of management ability, risk management technology and safety awareness, the risk of credit cards is more and more serious and involves a wide range of banks. Therefore, this paper analyzes the current situation of the development of Agricultural Bank of China and credit card risk management, and analyzes the various risks faced by its credit card business locks, hoping to explore a credit card risk management method suitable for long-term development and major commercial banks. Keywords:Agricultural Bank of China,Credit Card,Risk Manage 目 录 TOC \o 1-3 \h \u 第1章 绪 论 1 1.1研究背景及意义 1 1.1.1 该论题研究背景分析 1 1.1.2 本课题的研究意义 2 1.2 文献综述 2 1.2.1 国内文献综述 2 1.2.2 国外文献综述 3 第2章 信用卡风险管理的一般理论 4 2