商业银行信用卡业务风险管理研究.pdfVIP

摘 要 进入 21 世纪后，我国商业银行的信用卡业务快速发展，去年信用卡业务依 旧保持较高增长量。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%。信用卡业务给银行 带来了巨大的利润，这使得各个商业银行纷纷将信用卡业务作为其战略转型的关 键点，重视信用卡业务的发展。但是如果没有良好的风险管理体系，信用卡业务 虽可以短暂为银行贡献利润，但却难以获得可持续发展，严重时还可能对金融运 行体系造成破坏性影响。因此，优化商业银行信用卡业务的风险管理成为了现阶 段需要关注的焦点问题。 本文的具体内容可分为四部分，第一部分主要说明了研究的背景和意义。第 二部分详细介绍了我国商业银行信用卡的风险类型以及风险管理的原则、目标和 流程。第三部分从商业银行内部和外部两个角度分析了商业银行信用卡风险管理 的现状，接下来阐述了信用卡业务风险管理面临的问题，主要包括银行内部微观 问题和外部宏观问题两个方面。第四部分提出了商业银行应树立正确的风险管理 理念、建立完善的风险管理组织体系和风险检测机制、重视知识和人才。并且应 该健全相关的法律法规体系，建设和完善个人征信体系。 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