商业银行信用卡业务信用风险管理研究

商业银行信用卡业务信用风险管理研究

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摘要
我国商业银行信用卡业务中的信用风险所带来的损失，已成为银行损失的主要来源。近年来，随着金融市场在我国的不断发展，信用风险也逐渐成为银行业所面临的重要风险之一，也是金融体系系统风险重要的直接来源。有效的控制和防范银行的信用风险，对信用风险进行系统全面的管理，已经成为我国银行业信用卡业务中最重要的任务之一。目前，我国商业银行信用卡业务发展迅速，信用风险带来的损失呈上升趋势；信用风险管理的外部环境不完善；信用风险整体指标低。因此，建立外部管理体系，并加强内部信用卡的信用风险管理；制定切合实际的风险管理策略；加强征信审核业务管理，优化作业流程；运用风险控制技术，提高信用风险控制水平。

关键词：商业银行；信用卡；信用风险；风险管理

Abstract
The credit risk in the credit card business of the our country commercial bank bring of loss, have become bank loss of main source. In recent years, along with the financial market is in the our country of continuously development, credit risk also gradual become banking to face of importance one of the risks, is also finance system system risk importance of direct source. Valid of control with guard against the credit risk of bank, to the credit risk carry on system overall of management, have already become our country banking credit card business in most importance of one of the mission. Currently, the our country business development of the commercial bank credit card quick, the credit risk bring of loss present up-trend; The exterior environment of credit risk management isn't perfect; Credit risk the whole index sign be low. Therefore, establishment exterior management system, and strengthen inner part the credit risk of the credit card management; The establishment suit actual of risk management strategy; Strengthen to gain confidence to examine business a management, excellent turn homework process; Usage risk control technique, exaltation credit risk control level.

Keywords: 　Commercial bank ; Credit card; Credit risk ; Risk management

摘要 .........................................................I
Abstract .........................................................II
1　绪论 .......................................................1
1.1 研究背景 .....................................................1
1.2 研究的目的和意义............................................. 1
1.2.1 研究目的.................................................. 1
1.2.2 研究意义 ..................................................1
1.3 国内外研究状况 ...............................................2
1.3.1 国外研究状况 ..............................................2
1.3.2 国内研究现状 ..............................................4
1.4 研究内容和方法 ..............................................5
1.4.1 研究内容 ..................................................5
1.4.2 研究方法 ..................................................5
2 理论基础 ......................................................7
2.1 信用卡概述 ..................................................7
2.1.1 信用卡的定义特点及作用 ....................................7
2.1.2 信用卡的种类 ..............................................7
2.1.3 商业银行信用卡业务的起源和发展 ............................8
2.1.4 信用卡的风险种类.......................................... 9
2.2 信用风险概述 1...............................................9

2.2.1 信用卡的信用风险 ..........................................10
2.2.2 信用卡业务中信用风险的识别 ................................11
3 商业银行信用卡业务信用风险管理现状及存在问题 ..................12
3.1 信用卡业务信用风险管理现状 ..................................12
3.1.1 信用评分模型的应用 ........................................12
3.1.2 信用透支的管理.............................................13
3.2 信用卡业务信用风险管理中存在问题 ............................14
3.2.1 信用评分模型在我国应用的制约因素.......................... 14
3.2.2 风险管理的外部环境 ........................................14
4 我国商业银行信用卡业务信用风险管理对策 ........................16
4.1 制订切合实际的风险管理策略 ..................................16
4.2 制定合理的授信政策.......................................... 16
4.3 加强征信审核业务管理 ........................................17
4.4 建立风险预警机制防范欺诈风险 ................................18
4.5 建立有效的催收体系 ..........................................18
4.6 运用风险控制技术 ............................................18
结论...........................................................20
参考文献 .........................................................21
致谢 .........................................................22
附录1 ..........................................................23
附录2.......................................................... 27

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