银行信用卡大额分期业务风险及其防范

发布时间：2019-06-27 12:34

【摘要】：自2010年以来，央行已连续多次上调银行法定存款准备金率，前后共上调人民币存贷款基准利率5次，，随着CPI水平的不断攀升，上调法定存款准备金率和存贷款基准利率必然是未来的一大趋势。因此，在信贷规模被严格控制的宏观背景下，信用卡分期付款消费方式越来越受到消费者的喜爱，因此使得厚利型的分期付款业务成为信用卡市场新的竞争领域。分期付款业务是商业银行重要的创新产品，其有促进刷卡消费、增加有效透支、提高账户活动率等方面的积极作用，因而有巨大的发展潜力和经济效益。尽管信用卡大额分期业务是未来发展的趋势，是中间业务收入的新兴力量。但是由于银行对该业务的过度拓展导致出现了一系列的问题。包括客户选择中信息不对称导致的逆向选择问题、信用风险、操作风险、道德风险带来不良资产问题、以及内部风险控制体系等。因此，对信用卡大额分期业务的风险及其防范的分析在当前形势中显得尤为重要。本文选取了中国银行广东分行的某基层支行Y支行信用卡大额分期业务的情况作为分析对象，从业务的现实状况切入，通过对信用卡大额分期业务资产质量的真实数据描述，横向纵向对比分析发现当前Y支行信用卡大额分期业务的风险现状以及存在的问题。同时以贷款流程中的贷前审批、贷中管理以及贷后清收等环节作为分析主线，对信用卡大额分期业务风险的成因作了详细的探讨，并对相应的问题提出有针对性的建议。中行广东Y支行信用卡大额分期业务的风险及其防范研究，一方面可以对中行广东Y支行信用卡大额分期业务在2012年的风险现状进行总结梳理，另一方面可以从贷款流程这一角度对Y支行信用卡大额分期业务风险成因有更深入的探讨分析，有利于不良率的有效控制以及大额分期业务资产质量的提升，并且能够有效推进Y支行信用卡大额分期业务的风险防范体系及制度的完善，对开展信用卡大额分期业务的风险防范优化具有一定参考意义。
[Abstract]:Since 2010, the central bank has raised the bank Statutory deposit reserve ratio several times, and raised the benchmark interest rate of RMB deposit and loan five times before and after. With the rising level of CPI, the increase of Statutory deposit reserve ratio and the benchmark interest rate of deposit and loan is bound to be a major trend in the future. Therefore, under the macro background that the scale of credit is strictly controlled, the consumption mode of credit card installment is more and more popular by consumers, which makes the favorable installment business become a new competitive field in the credit card market. Installment business is an important innovative product of commercial banks, which has the positive role of promoting credit card consumption, increasing effective overdraft, increasing account activity rate and so on, so it has great potential for development and economic benefits. Although the credit card large installment business is the future development trend, is the intermediate business income emerging force. However, due to the excessive expansion of the business by banks, there are a series of problems. Including adverse selection problems caused by information asymmetry in customer selection, credit risk, operational hazard, moral hazard caused by non-performing assets, as well as internal risk control system and so on. Therefore, the analysis of the risk and prevention of credit card large installment business is particularly important in the current situation. This paper selects the credit card large installment business of a grass-roots branch of Guangdong Branch of the Bank of China as the object of analysis. From the actual situation of the business, through the description of the real data of the asset quality of the credit card large installment business, the horizontal and vertical comparative analysis shows the current risk status and existing problems of the large credit card installment business of the Y branch. At the same time, taking the pre-loan examination and approval, loan management and post-loan settlement in the loan process as the main line of analysis, this paper makes a detailed discussion on the causes of the business risk of large credit card installment, and puts forward some targeted suggestions for the corresponding problems. The risk and prevention of credit card large installment business of Bank of China Guangdong Y Branch can be summarized and sorted out on the one hand, on the other hand, the risk causes of Y branch credit card large installment business can be discussed and analyzed more deeply from the perspective of loan process, which is beneficial to the effective control of bad rate and the improvement of the quality of large amount installment business assets. And can effectively promote the Y branch credit card large installment business risk prevention system and system improvement, for the development of credit card large installment business risk prevention optimization has certain reference significance.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.2

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