中信银行信用卡风险管理研究

发布时间：2018-06-29 05:46

本文选题：信用卡 + 信用风险　；参考：《中南大学》2013年硕士论文

【摘要】：摘要：近年来,信用卡业务已经成为了银行新兴利润增长点。在信用卡方面,我国还处于起步阶段,中国信用卡产业发展越来越快且前景无限。在信用卡风险管理中,我国商业银行还存在着很多的不足,包括信用风险信息技术落后、管理体系不健全等问题。我国银行必须适应全新的金融环境,在信用卡风险管理上寻找新方法。因此,信用卡业务的风险管理成为了国内关注的焦点问题,研究中信银行信用卡风险管理具有一定的实践意义。本文从信用卡风险的理论入手,结合中信银行信用卡运行实际,分析了中信银行在信用卡风险管理中的现状及生命周期,认为中信银行在信用卡方面存在的风险主要表现在营销、征信、信息科技、运营等方面,接着,主要从信用风险、欺诈风险、操作风险等方面分析了中信银行信用卡相关风险的原因,进一步剖析中信银行信用卡内部存在的缺陷,在此基础上,进行定量分析,更详细地分析其中存在的问题。最后,在定性和定量分析的前提下,在信用卡信用、征信、欺诈风险、信息科技等风险方面,提出相应的信用卡风险防控措施,并建立风险管理体系,以降低中信银行信用卡风险,保障其风险管理的有效性。
[Abstract]:Absrtact: in recent years, credit card business has become a new profit growth point of banks. In the credit card, China is still in the initial stage, the credit card industry in China is developing more and more rapidly and has unlimited prospects. In credit card risk management, Chinese commercial banks still have a lot of shortcomings, including credit risk information technology backward, management system is not perfect and so on. Chinese banks must adapt to the new financial environment and look for new methods in credit card risk management. Therefore, the risk management of credit card business has become the focus of domestic concern, the study of credit card risk management of CITIC Bank has certain practical significance. This paper starts with the theory of credit card risk and analyzes the current situation and life cycle of credit card risk management in CITIC Bank. It is believed that the risks in credit card of CITIC Bank are mainly manifested in the aspects of marketing, credit information, information technology, operation and so on. Then, mainly from the credit risk and fraud risk, This paper analyzes the causes of credit card related risks in CITIC Bank, and further analyzes the defects in credit card of CITIC Bank. On the basis of this, quantitative analysis is carried out, and the existing problems are analyzed in more detail. Finally, on the premise of qualitative and quantitative analysis, in the credit card credit, fraud risk, information technology and other risks, put forward the corresponding credit card risk prevention and control measures, and establish a risk management system. In order to reduce the credit card risk of CITIC Bank, ensure the effectiveness of risk management.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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