我国商业银行信用卡运营风险管理研究

发布时间：2017-12-31 22:37

本文关键词：我国商业银行信用卡运营风险管理研究　出处：《安徽大学》2013年硕士论文　论文类型：学位论文

【摘要】：信用卡业务在我国开展的时间不长,具有一定的风险性,对银行来说属于成本和收益都比较高的业务。信用卡业务的风险主要存在于商业银行信用卡的信用卡发行、信用卡使用、信用卡支付等环节,在信用卡使用过程中,风险会关系到信用卡发行商业银行、信用卡持卡人和信用卡特约商户等,影响到若干相关利益组织。在中国,信用卡相对于西方发达国家的发展历程比较短,所以我国商业银行信用卡运营风险管理水平不高,信用卡是没有经过实践充分检验风险性的信贷工具。由于目前国内各大商业银行为了抢占市场而扩大营销规模,大力发展信用卡业务,没有把注意力集中到信用卡的风险上,对于持卡人信用程度关注不足,从而使商业银行信用卡的“风险客户”越来越多,加大了信用卡业务的风险,信用卡不良额有所增加。同国外发达国家相比,中国是一个信用卡用户开发不足的潜在信用卡大市场,有着更广阔的发展空间,但我国的信用卡产业有着独特的发展环境,面临的业务风险也不小。因此,我国现阶段信用卡业务要健康发展,要加强我国商业银行信用卡风险的识别、信用卡风险的度量以及信用卡风险的管理。因此,有必要对我国商业银行信用卡的运营风险管理,进行详细深入的研究。本文梳理了以往学者的研究,明确了我国商业银行信用卡运营风险管理研究的出发点和理论基础。本文明确了我国商业银行信用卡发展及风险管理现状,明确已经取得的成绩和存在的问题,研究了我国商业银行信用卡申请风险管理、授信风险管理、透支风险管理、交易风险管理、收单风险管理现状及存在的问题,并列举了一些典型案例。本文进行了我国商业银行信用卡运营风险形成的原因分析,认为我国商业银行内部风险管理成因有风险意识有待提高、内部管理制度不完善、技术手段相对落后、专业人员投入不足；进行了社会信用及金融生态环境成因分析,认为成因是客户对自身信息保护不足、信用意识不强,信用卡产业链条各环节人员风险意识不强,媒体与舆论宣传对公众的导向存在偏差,执法机构对案件调查与惩处力度不足;进行了外部金融监管成因分析,包括监管体制、监管的规章制度、监管的手段、监管人员的专业性等原因。本文提出了加强我国商业银行信用卡运营风险管理的对策与建议,包括加强运营风险管理应坚持持的安全性、预防性、连续性、信息沟通与交换的原则,具体措施与建议包括更新观念、制定合理的授信政策从源头控制、加强征信审核业务管理、建立风险预警机制、建立有效的催收体系、加强数据分析,保障性措施秘建议包括加强制度建设、更新技术手段、加强人员培训、加大资金投入。本文仃助于深化我国商业银行信用卡运营风险管理的理论研究。本文通过对商业银行信用卡运营风险管理较为系统的研究,促使商业银行能够有效的防范风险,从而实现商业银行信用卡全程运营管理的稳健性和安全性。
[Abstract]:The development of credit card business in China is not a long time, with a certain risk, the banks belong to the costs and benefits were relatively high risk business. Credit card business mainly exists in the commercial bank credit card credit card, credit card, credit card and other links in the process of using credit cards. In relation to the risk of credit card issuing banks, credit card and credit card merchants, affect some interest groups. In Chinese, credit card with respect to the development of the western developed countries is relatively short, so China's commercial bank credit card business risk management level is not high, the credit card is not the result of the practice of credit risk test tools. Due to the current domestic commercial banks in order to seize the market and expand the scale of marketing, developing the credit card business, not to pay attention to credit card The degree of credit risk, the cardholder insufficient attention, so that commercial bank credit card "risk customers more and more, increasing the risk of credit card business, credit card bad amount increased. Compared with the developed countries, China is a big market potential credit card credit card users have developed deficiencies. A broader space for development, but the credit card industry in China has a unique development environment, facing the business risk is not small. Therefore, at the present stage of China's credit card business to the healthy development, to strengthen the risk identification card of China's commercial bank credit risk measurement, credit card and credit card risk management. Therefore, it is necessary for the operational risk management of China's commercial bank credit card, to make a further research.
This paper reviews the research of previous scholars, the starting point of China's commercial bank credit card risk management research operation and theoretical basis. This paper introduced our country commercial bank credit card development and risk management of the status quo, clearly has the achievements and problems of China's commercial banks, credit card risk management credit risk management, risk management, overdraft, transaction risk management, acquiring risk management status and existing problems, and enumerates some typical cases. This paper analyzes the reasons of China's commercial bank credit card business risk, that risk awareness needs to be improved causes of the internal risk management of commercial banks in China, the internal management system not perfect, technology is relatively backward, lack of professional investment; analyzes the social credit and financial ecological environment causes, that is a client of its letter of origin The lack of protection of information, credit awareness is not strong, the credit card industry chain personnel risk awareness is not strong, the media and public opinion propaganda to the public there are deviations, investigation of the case law enforcement agencies and the lack of punishment; analyzes the external causes of financial supervision, including supervision system, supervision rules and regulations, means of supervision, professional the reason of supervision personnel. This paper proposes countermeasures and suggestions to strengthen the card operation risk management of China's commercial bank credit, including strengthening the operational risk management should adhere to safety, to preventive, continuity, information communication and exchange principle, concrete measures and suggestions including new ideas, develop a reasonable credit policy from the source control, strengthen the credit business management audit, establish a risk warning mechanism, the establishment of effective collection system, strengthen the data analysis, security measures include strengthening the system construction, We should renew technical means, strengthen personnel training, and increase investment in funds.
Theoretical study on operational risk management of the analysis helps to deepen China's commercial bank credit card. This paper makes a systematic research on the operational risk management of commercial bank credit card, make the commercial banks can effectively prevent risks, so as to realize the stability and safety of the whole operation and management of commercial bank credit card.

【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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