金融-工商银行沈阳分行信用卡业务风险管理存在的问题与对策.docxVIP

PAGE IV PAGE I 工商银行沈阳分行信用卡业务风险管理存在的问题与对策 摘 要 信用卡作为一种消费信贷和支付结算工具，已逐步进入普通百姓的家。信用卡事业也随着城市化的加速而不断发展，信用卡行业不断从大城市渗透到中小城市，信用卡市场的布局发生了巨大变化。今天，信用卡成为了商业银行的重要业务。商业银行不仅是为顾客提供金融服务的重要手段，信用卡中介业务收入也为商业银行带来了巨大的收益。信用卡行业的一般信息的非对称,信贷信息系统构建的不完整的,各种各样的信用卡发行银行的迅速扩大和吻合,恶性竞争,经济增长的减速和新的通常风险冲击的增加，这些无疑并不意味着银行良好的信用卡业务风险管理对信用卡产业的可持续发展具有重要意义。 本文以中国工商银行沈阳分行为例，对沈阳分行的信用卡业务现状进行分析，研究其风险管理策略，以防范信用卡业务前、中、后的风险。首先，研究了信用卡发行前的管理，以保证信用卡发行与质量的均衡发展和稳步提高。其次，对工商银行沈阳分行信用卡业务管理进行了研究。进一步扩大信用卡管理团队，减少因逾期对银行产生的经济损失。三是研究贷款后动态配额管理与配额和信用状态相匹配，做到对不同的客户有不同的解决方案。最后，从风险管理的角度研究有效控制风险的风险防范和控制策略:增强发卡风险控制；深入推进信用卡业务人员培训系统；充实风险管理队伍；适时调整催收策略；一般客户的额度管理；大额客户额度管理，等从而全面提高信用卡资产的质量。本文利用沈阳分行的实际运行数据得出分析结论，具有较强的实用针对性。希望对相关问题的研究提供参考。 关键词：工商银行；信用卡；风险管理； Abstract As a consumer credit and payment and settlement tool, credit card has gradually entered the homes of ordinary people. With the acceleration of urbanization, the credit card industry has been infiltrating from big cities to small and medium-sized cities, and the market layout of credit cards has also undergone tremendous changes. Nowadays, credit card has become an important business of commercial banks. It is not only an important means for commercial banks to provide financial services to customers, but also the intermediary business income of credit card has brought considerable profitability to commercial banks. Due to the slowdown of economic growth and the increase of risk shocks under the new normal conditions, as well as the common information asymmetry, imperfect credit information system construction, vicious competition and rapid expansion of credit card issuing banks, especially the advent of the Internet era, credit card fraud and crime are becoming more and more serious. These do not undoubtedly mean that good risk management of credit card business for SMEs is of great significance to the sustainable development of credit card industry. Taking Shenyang A sub-branch of ICBC as an example, this paper analyzes the current situation of credit card business of ShenYang A s