L中心支行对商业银行信用卡业务监管研究

发布时间：2018-12-19 19:30

【摘要】：近年来,信用卡凭借其方便性和灵活性日渐成为人们重要的支付手段。但信用卡行业的健康发展却离不开监管部门的风险监管与防范。目前我国监管部门已经把信用卡业务纳入重要的监管范围。但是与发达国家相比,我国的监管政策仍存在很多不足。因此,本文通过中国人民银行辽阳市中心支行(以下简称L行)对辽阳市的商业银行信用卡业务实施现场检查中的问题进行分析,试图提出一些解决监管问题的可行性措施。本文以介绍研究目的和意义、国内外研究现状为开端,继而介绍研究方法和论文的整体结构。其次,第一,介绍了L行对商业银行信用卡业务监管职责及监管现状,包括人民银行的基本情况介绍及L行的主要监管业务；商业银行开展信用卡业务的情况；L行对商业银行信用卡业务的监管依据和具体监管内容。第二,介绍了L行对商业银行信用卡业务的监管现状包括监管人员、监管方法和监管程序等。第三,按照业务流程,指出了L行对商业银行信用卡业务监管存在对发卡业务监管未做到事前“防微杜渐”,对信用卡使用监管未做到“主动监控”,对信用卡业务的监管未做到事后“有效处理”等主要问题,并分析了问题存在的原因。包括L行内部原因和商业银行及消费者等外部原因。第四,提出了解决L行对商业银行信用卡业务监管问题的措施。包括：完善法律法规体系、改进对商业银行的监管方式、做好消费者权益保护等措施。
[Abstract]:In recent years, credit card with its convenience and flexibility has become an important means of payment. However, the healthy development of credit card industry can not be separated from the supervision and prevention of risks. At present, China's regulatory authorities have brought credit card business into an important regulatory scope. However, compared with developed countries, China's regulatory policy still has a lot of shortcomings. Therefore, through the central branch of Liaoyang City of the people's Bank of China (hereinafter referred to as L line), this paper analyzes the problems in the field inspection of credit card business of commercial banks in Liaoyang City, and tries to put forward some feasible measures to solve the problem of supervision. This paper begins with the introduction of the purpose and significance of the research, the present research situation at home and abroad, and then introduces the research methods and the overall structure of the paper. Secondly, it introduces L Bank's supervision responsibility and present situation of credit card business of commercial bank, including the basic situation of the people's Bank of China and the main supervision business of L Bank, and the situation of commercial bank carrying out credit card business. L bank to the commercial bank credit card business supervision basis and specific supervision content. Secondly, the paper introduces the current situation of L bank credit card business supervision, including supervisor, supervision method and supervision procedure. Thirdly, according to the business process, it is pointed out that L Bank has failed to "prevent and control" the credit card business in advance, and failed to "actively monitor" the use of credit cards. The supervision of credit card business failed to deal with the problems effectively after the event, and the reasons for the problems were analyzed. Including L line internal reasons and commercial banks and consumers and other external reasons. Fourth, it puts forward the measures to solve the problem of L-bank credit card business supervision. Including: improve the system of laws and regulations, improve the supervision of commercial banks, and do a good job of consumer rights and interests protection measures.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2

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