中国建设银行信用卡业务中欺诈风险的防控研究
发布时间：2018-11-08 10:18
【摘要】：随着我国信用体系的建立和信用卡支付环境的形成正逐步趋于成熟,国内商业银行信用卡业务发展迅速。银行信用卡的使用数量、使用人群以及环境都有了显著的发展和进步。中国建设银行的信用卡业务在国内信用卡市场占据了较大份额,由于建行信用卡在使用中的量越来越大,所以就出现了建设银行信用卡贷款量的大幅度提升,这样就导致了建行信用卡的风险度也在急剧的上升,在信用卡的风险种类中,欺诈风险显得尤其突出和显著,并表现出了新的方式和手段,这对银行和信用卡使用者都是一个很大的威胁,这样不利于建设银行信用卡的良性发展,如何才能使得建行信用卡业务获得良好的成长环境,不仅是建行工作人员应该研究的问题,同时也是每一个银行都要思考的问题。 本篇论文,以提升建设银行信用卡业务中对欺诈风险的防控能力为目的,对信用卡的发展历史以及中国建设银行信用卡业务发展的现状等进行分析,同时对建设银行信用卡业务中存在的欺诈风险的种类进行分析和研究,结合目前我国建设银行信用卡的发展现状、欺诈风险的识别方法、欺诈风险识别存在的问题以及原因进行分析,最后提出提升建设银行信用卡欺诈风险防控能力的改进和建议措施。本文对建设银行信用卡业务面临的欺诈风险进行研究,主要是能够在理论与实际应用中有所裨益,有利于建设银行信用卡业务中欺诈风险的识别,同时也对建设银行信用卡的发展提供一些建议和借鉴。
[Abstract]:With the establishment of China's credit system and the formation of credit card payment environment, the credit card business of domestic commercial banks is developing rapidly. The number of bank credit cards, the number of people who use them and the environment have improved significantly. The credit card business of China Construction Bank has occupied a large share of the domestic credit card market. As the amount of credit card in use of CCB is increasing, the credit card loan volume of CCB has increased by a large margin. This led to a sharp rise in the credit card risk of CCB. Among the types of credit card risks, the risk of fraud was particularly prominent and significant, and showed new ways and means. This is a great threat to both banks and credit card users. This is not conducive to the sound development of China Construction Bank's credit cards. How can we make CCB's credit card business a good growth environment? Not only should CCB staff study the problem, but also every bank should think about it. This paper aims at improving the ability to prevent and control fraud risk in credit card business of China Construction Bank, and analyzes the history of credit card development and the current situation of credit card business development of China Construction Bank. At the same time, it analyzes and studies the types of fraud risk existing in credit card business of China Construction Bank, combining with the current development situation of credit card of China Construction Bank, the identification method of fraud risk. The problems and causes of fraud risk identification are analyzed. Finally, the improvement of credit card fraud risk prevention and control ability of China Construction Bank is put forward. In this paper, the fraud risk of credit card business in China Construction Bank is studied, which can be used in theory and practice, which is beneficial to the identification of fraud risk in credit card business of China Construction Bank. At the same time, it also provides some advice and reference to the development of China Construction Bank credit card.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
本文编号：2318171
[Abstract]:With the establishment of China's credit system and the formation of credit card payment environment, the credit card business of domestic commercial banks is developing rapidly. The number of bank credit cards, the number of people who use them and the environment have improved significantly. The credit card business of China Construction Bank has occupied a large share of the domestic credit card market. As the amount of credit card in use of CCB is increasing, the credit card loan volume of CCB has increased by a large margin. This led to a sharp rise in the credit card risk of CCB. Among the types of credit card risks, the risk of fraud was particularly prominent and significant, and showed new ways and means. This is a great threat to both banks and credit card users. This is not conducive to the sound development of China Construction Bank's credit cards. How can we make CCB's credit card business a good growth environment? Not only should CCB staff study the problem, but also every bank should think about it. This paper aims at improving the ability to prevent and control fraud risk in credit card business of China Construction Bank, and analyzes the history of credit card development and the current situation of credit card business development of China Construction Bank. At the same time, it analyzes and studies the types of fraud risk existing in credit card business of China Construction Bank, combining with the current development situation of credit card of China Construction Bank, the identification method of fraud risk. The problems and causes of fraud risk identification are analyzed. Finally, the improvement of credit card fraud risk prevention and control ability of China Construction Bank is put forward. In this paper, the fraud risk of credit card business in China Construction Bank is studied, which can be used in theory and practice, which is beneficial to the identification of fraud risk in credit card business of China Construction Bank. At the same time, it also provides some advice and reference to the development of China Construction Bank credit card.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2
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相关期刊论文 前3条
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2 陈勇;胡改琴;胡雪琴;;我国商业银行信用卡操作风险控制研究[J];现代经济(现代物业下半月刊);2008年08期
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，本文编号：2318171
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