我国信用卡欺诈风险现状研究与对策

发布时间：2018-06-04 05:26

本文选题：信用卡 + 欺诈风险　；参考：《暨南大学》2012年硕士论文

【摘要】：世界上第一张信用卡出现距今已经有超过六十年的历史了，而在中国，信用卡仅仅才经历了十几年的发展。信用卡在中国起步虽然比较晚，却正在迅猛发展。现在信用卡已经成为一种大家非常熟悉且便捷的结算工具。2007年，美国次贷危机爆发，紧接着信用卡危机也露出了冰山一角。恶意拖欠，无力还款现象严重。我国与美国不同的是，现阶段信用卡的持卡人大多数都能按时还款或进行分期付款，当前信用卡业务的主要风险是其他的信用卡欺诈问题，包括伪卡，，套现，盗刷等等。欺诈金额日益增大，已经成为信用卡损失中最大的一部分。本文的研究目的是通过对当前信用卡欺诈问题的分析，找到能够防范信用卡欺诈的有效手段。在研究过程中，选取了最新的信用卡欺诈案例，包含许多利用高科技作案的例子，并且通过问卷调查了解当前持卡人的实际用卡情况。通过对信用卡市场欺诈风险的现状分析，指出了当前信用卡风险管理中存在的问题，最后提出了信用卡风险防范的各种有效措施，从而推动我国信用卡产业健康、可持续发展。
[Abstract]:The world's first credit card has a history of more than 60 years. In China, the credit card has only experienced a decade of development. Although the credit card starts late in China, it is developing rapidly. Credit cards have become a very familiar and convenient settlement tool. In 2007, the subprime mortgage crisis in the United States broke out, followed by the credit card crisis revealed the tip of the iceberg. Malevolent default, inability to repay the phenomenon is serious. The difference between our country and the United States is that most credit card holders can repay or pay in installments on time. The main risk of credit card business at present is other credit card fraud problems, including counterfeit card, cash, theft, and so on. The amount of fraud is increasing and has become the largest part of credit card losses. The purpose of this paper is to find the effective means to prevent credit card fraud by analyzing the current credit card fraud problem. In the course of the research, we select the latest credit card fraud cases, including many examples of high-tech crime, and through a questionnaire survey to understand the actual card holders of the current situation. By analyzing the present situation of credit card market fraud risk, this paper points out the existing problems in credit card risk management, and finally puts forward various effective measures to prevent credit card risk, so as to promote the healthy and sustainable development of credit card industry in China.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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