商业银行信用卡业务风险管理研究修改完成.pdfVIP

摘 要 2000 年以后，随着我国经济的快速发展，信用卡业务在我国迅速开展起来， 并呈逐年的增加的趋势。数据显示，仅国有五大行与股份制银行去年新增发卡量 就有 1.03 亿张，全国人均持有信用卡 0.31 张，同比增长 6.27%。由于信用卡业 务能为其带来良好的收入，因此各大金融机构都开展此项业务，并不断的把它作 为重点业务在银行内部；由于该业务的过度办理，在风险的防范上没有一套很好 的预防机制，在为其带来利益的同时，却伴随着较大的风险，因此对于银行业来 说这种发展是不好的现象，必须把风险重视起来，建立起一套行业的风险防范体 系至关重要。 这篇文章主要对信用卡业务在我国银行中发展的情况及相关的问题等做了 研究分析；文章从四个部分做了介绍，分别是：一、主要对该业务开展的好处及 产生的影响做了说明；二、在信用卡业务开展中，我国商业银行所面临的风险等 问题进行了介绍；三、从不同的角度介绍了商业银行在开展业务时所面临的主要 问题，并对存在的问题进行分析提出了两个方面的影响分别为外部影响和内部影 响；最后通过以上所面临的问题提出了解决的方法，分别从管理思想、法律、人 才和风险管控方面做了介绍。 关键词：商业银行 信用卡业务 风险管理 信用卡犯罪 I Title Abstract After entering the 21st century, the rapid development of the our country commercial bank credit card business, credit card business still maintaining high growth last year.Figures show that only five big state-owned bank and joint-stock bank new hairpin quantity is 103 million m last year, the national per capita hold 0.31 credit CARDS, up 6.27% from a year earlier.Brought huge profits to the bank credit card business, which makes the commercial Banks credit card business as the key point of its strategic transformation, attaches great importance to the development of credit card business.But if you dont have good risk management system, credit card business can contribute to the Banks short profits, but it is difficult to obtain sustainable development, serious when still can have a devastating effect on the financial operation system.Therefore, the optimization of commercial bank credit card business risk management become the focus of the need to pay attention to at present stage. The specific content of this paper can be divided into four parts, the first part mainly illustrates the research background and significance.The second part introduced the our country commercial bank credit card types of risk and risk management principles, objectives and processes.The third part from the commercial