我国商业银行信用卡风险管理及对策研究

发布时间：2018-01-02 07:41

本文关键词：我国商业银行信用卡风险管理及对策研究　出处：《首都经济贸易大学》2012年硕士论文　论文类型：学位论文

【摘要】：我国信用卡业务发展速度，每年发卡规模都成倍增长，从事信用卡业务的商业银行也越来越多，可以说，未来我国信用卡业务发展潜力是无穷的。但是在信用卡业务长足发展的同时，我们也看到了层出不穷的信用卡风险，，包括信用卡诈骗、恶意刷卡以及伪造证件冒领信用卡等等的信用卡犯罪事件。而且信用卡业务是国外银行主要的利润增长点，而我国目前信用卡业务整体却基本处在稍微亏损的境地，如何完善信用卡风险管理成为目前商业银行发展信用卡业务面临的首要问题。本文采用了金融学的基本理论与方法，运用了文献分析法、案例分析法及比较分析法，在厘清相关概念的基础上，分析我国商业银行信用风险管理的现状，借鉴国外相关经验，从而做出了完善我国商业银行信用卡风险管理的相关对策建议。本文首先界定了研究的相关概念——“信用卡风险”和“信用卡风险管理”，在此基础上，结合实际，对我国商业银行风险管理的现状及其存在的问题做了论述，并从内部控制和外部环境两个因素来分析信用卡风险管理存在问题的成因。接着，选取了美国、韩国信用卡风险管理作为案例进行分析，在介绍两国风险管理实际操作的同时，得出了对我国信用卡风险管理的若干启示。最后，引出本文的核心观点，即我国商业银行信用卡风险管理的对策建议。相关对策包括建立内部风险控制机制、加强行业自律以及改善银行的外部环境。论文创新点在于系统地梳理和总结我国商业银行风险管理存在的问题，提出了建立风险控制机制等具体措施，实现了理论与实践的有机结合。不足之处体现在文章结构比较单一，有些问题的论述还欠缺理论深度，需要在今后的研究中加以改正。
[Abstract]:China's credit card business development speed, the annual issuing scale growexponentially, engaged in commercial bank credit card business is also more and more, it can be said that the future development of China's credit card business potential is infinite. But the rapid development in the credit card business at the same time, we also see emerge in an endless stream credit risk, including credit card credit card fraud, and malicious forgery claim of credit cards and so on credit card crime. And the credit card business is foreign bankprofit growth, China's current credit card business as a whole is basically in a loss situation, how to improve credit risk management become the most important issue facing the development of credit card business of commercial banks.
In this paper, the basic theories and methods of finance, using literature analysis, case analysis and comparative analysis, on the basis of clarifying the related concepts, analysis of the status quo of credit risk management of commercial banks in China, to learn from foreign experience, so as to make the relevant countermeasures and suggestions to improve our commercial bank credit risk management.
This paper defines the concepts of "credit risk" and "credit risk management", on this basis, combined with the actual situation and existing of our country commercial bank risk management problems are discussed, and from the internal control and the external environment two factors that the analysis of credit card risk management problems the causes. Then, select the United States, South Korea's credit card risk management as the case analysis, in the actual operation of the risk management of China and obtained some enlightenment for our country credit card risk management. Finally, draw out the key point of this article, namely, our commercial bank credit risk management countermeasures and suggestions. Related measures include the establishment of the internal risk control mechanism, strengthen self-discipline, improve the external environment of the bank.
The innovation of this paper lies in system to sort out and summarize the existing risk management of commercial banks in China, put forward specific measures to establish a risk control mechanism, realizes the combination of theory and practice. Deficiencies reflected in the structure is relatively simple, some problems still lack of theoretical depth, you need to be corrected in future research.

【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【参考文献】