第三方信用卡催收行业的监管及其存在的问题.docVIP

第三方信用卡催收行业的监管及其存在的问题 摘要：信用卡作为当今发展最快的一项金融业务之一它的总发卡量日益增加， 信用卡的透支余额也在相继提高。许多发卡机构为了降低坏账率、减少资金成本将逾期欠款的催收工作委托给第三方信用卡催收公司。但由于相关法律的欠缺、监管的不当，第三方信用卡催收行业的准入门槛明显较低，从业人员的工作素质也良莠不济。为避免社会发生更多类似“51信用卡”外包催收事件，加强行业自律、法律监管并整顿一系列不规范催收行为已刻不容缓。本文将运用相关文献分析、比较分析等研究方法对债权方的问题、债务方的问题以及第三方信用卡催收行业的监管问题进行分析并对此提出决策与建议。 关键词：第三方信用卡催收，法律监管，不规范催收，行业自律 Regulation of third-party credit card collection industry and its problems Abstract: As one of the fastest growing financial services, the total number of credit card issuances is increasing, and the credit card overdraft balance is also increasing. In order to reduce the bad debt rate and reduce the cost of funds, many card issuers entrust the collection of overdue debts to third-party credit card collection companies. However, due to the lack of relevant laws and improper supervision, the barriers to entry for the third-party credit card collection industry are relatively low, and the quality of the workforce is poor. In order to avoid more outsourcing collection events like “51 credit card” in the society and strengthen industry self-discipline, it is urgent to supervise and rectify a series of irregular collection activities. This article will use relevant literature analysis, comparative analysis and other research methods to analyze the problems of creditors, debtors and supervision in Chinas third-party credit card collection industry, and make decisions and suggestions. Keywords: Third-party card collection, legal supervision, irregular collection, creditors, debtors, industry self-discipline TOC \o 1-3 \h \u 目 录 TOC \o 1-3 \h \u 24888 第一章 绪论 1 447 1.1课题研究的背景和意义 1 20055 1.1.1课题研究的背景 1 13626 1.1.2课题研究的意义 3 21756 1.2文献综述 3 2337 1.2.1国内研究 3 16483 1.2.2国外研究 4 13758 1.3研究的方法和内容 5 442 1.3.1研究方法 5 24908 1.3.2研究内容 5 24821 第二章 第三方信用卡催收行业的现状 6 3083 2.1信用卡的概述 6 15622 2.1.1信用卡的定义 6 16913 2.1.2信用卡的起源 6 7915 2.2第三方信用卡催收行业的界定 7 26781 2.2.1银行内催模式 7 15932 2.2.2委外催收模式 7 27372 2.3第三方信用卡催收行业的发展历程 8 19232 第三章 第三方信用卡催收行业存在的问题