我国商业银行信用卡风险政府监管研究

发布时间：2018-05-24 00:02

本文选题：信用卡 + 信用卡风险　；参考：《华北电力大学》2015年硕士论文

【摘要】：信用卡的出现极大的改变了社会交易的方式。信用交易是市场经济高度发达的必然产物和内在要求,信用卡作为信用交易的重要载体,成为现在货币体系的重要延伸。在市场经济成熟的欧美市场,依托健全的信用体系和强大的信息技术,信用卡已经成为普遍使用的支付工具和融资渠道。与西方国家相比,近几年我国的信用卡行业从稚嫩走向成熟,已然融入到人们的日常生活当中,尤其是在经济发达地区,信用卡凭借其方便、安全、灵活的特性逐渐成为日常支付的重要手段,有效提高了个人融资的效率,并给发卡机构、商户以及国家税收都带来了收益。但与此同时,在信用卡发展的过程中面临着诸多的挑战和风险,对于信用卡相关的各个机构和个人都存在着一定程度的风险。作为一个朝阳产业,其发展推动力主要来自于内部,但是从其对整个社会的影响来看,信用卡风险监管与防范、信用卡行业健康有序地发展并且发挥良好社会功效需要加强制度引导和监管。当前需要完善政府监管法律法规,建立权威的信用卡风险监管组织机构以及风险监管体系。我国商业银行信用卡风险政府监管应从信用卡发展存在的现实问题出发,借鉴国外信用卡风险政府监管的有益经验,建立具有统一性、协调性及专业性的监管组织机构,形成完善的监管体系,从而促进我国商业银行信用卡行业的健康有序发展。
[Abstract]:The emergence of credit cards has greatly changed the way social transactions are conducted. Credit transaction is the inevitable outcome and inherent requirement of highly developed market economy. Credit card, as an important carrier of credit transaction, has become an important extension of the present monetary system. In the mature market of Europe and America, credit card has become a widely used payment tool and financing channel, relying on sound credit system and powerful information technology. Compared with western countries, in recent years, the credit card industry in our country has moved from immature to mature, and has been integrated into people's daily life, especially in economically developed regions, credit cards rely on their convenience and security. Flexible characteristics gradually become an important means of daily payment, effectively improve the efficiency of personal financing, and bring benefits to card issuers, merchants and the state tax. But at the same time, there are many challenges and risks in the process of credit card development. As a sunrise industry, its development impetus mainly comes from inside, but from its impact on the whole society, credit card risk supervision and prevention, Credit card industry develops healthily and orderly and exerts the good social effect needs to strengthen the system guidance and the supervision. At present, it is necessary to perfect government regulation laws and regulations, establish authoritative credit card risk supervision organization and risk supervision system. The government supervision of credit card risk in commercial banks of our country should proceed from the practical problems existing in the development of credit card, draw lessons from the beneficial experience of foreign credit card risk government supervision, and establish a unified, coordinated and professional regulatory organization. To form a sound regulatory system to promote the healthy and orderly development of China's commercial bank credit card industry.
【学位授予单位】：华北电力大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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