工商银行内蒙古分行信用卡风险控制研究
发布时间：2018-11-27 14:52
【摘要】：随着我国金融市场的不断转型升级,信用卡市场的迅猛发展,各商业银行发卡量、消费额大幅增加,市场竞争日益激烈。与西方发达国家相比,信用卡业务在我国起步较晚,发展基础较为薄弱,规章制度有待进一步完善,且业务经验积累不足,导致业务质量与效能都相对较低,而且还在普遍采用着粗放式的经营模式,使得信用卡风险形势十分严峻,国家金融秩序安全和金融体制的正常运行得到威胁。风险防控能力能够决定着商业银行的盈利能力及可持续发展水平。据此,当前我国商业银行需要重点解决的问题就是:形成风险管理意识,完善风险防控制度,提高风险管理能力,这不但是外部监管的实际要求,同时也是内在发展的必要条件。最近几年以来,伴随着市场经济的快速发展,内蒙工行不断创新信用卡业务,强化信用卡业务市场的拓展,信用卡业务发展迅猛。而在这个过程当中,信用卡风险也逐渐暴露出来,进入了高发期,不良贷款率与余额逐年上升,风险管控压力不断加大。由此可知,通过对信用卡业务风险管理的研究,推进内蒙工行信用卡风险管理框架的完善,促进内蒙工行信用卡业务持续、安全和稳定发展具有至关重要的现实意义。本文以商业银行风险管理的具体理论作为基础,参考借鉴了国内外信用卡业务发展的风险管理经验与模式,采用案例研究和规范研究相结合的方法,根据信用卡业务的不同领域、项目及业务流程面临的风险,进行分类、识别与分析,在此基础上有针对性的提出了解决多测。本文一共是由五章构成的,其中:第一章是阐释了相关研究背景、目的以及意义;第二章是介绍了信用卡业务的相关概念,总结了信用卡业务及风险现状的剖析认为当前工商银行内蒙古份上在信用卡风险管理上存在多个方面的问题,包括营销、信息技术、运营以及征信等;第三章是基于信用风险、操作风险以及欺诈风险的角度,明确了风险问题产生原因,并深入分析了信用卡管理的内部缺陷问题;第四章是以定性与定量分析为基础,有针对性的提出了信用卡风险防控措施,构建了风险管理体系,其目的是就是要降低工商银行内蒙古分行的信用风险,确保风险管理的有效性;第五章是对本文观点的总结,并提出了相关研究展望。
[Abstract]:With the continuous transformation and upgrading of our financial market and the rapid development of credit card market, the amount of credit card issued by commercial banks and the amount of consumption have increased significantly, and the market competition has become increasingly fierce. Compared with the western developed countries, the credit card business starts later in our country, the development foundation is relatively weak, the rules and regulations need to be further improved, and the accumulated business experience is insufficient, which leads to the relatively low quality and efficiency of the business. Moreover, extensive management mode is widely adopted, which makes the credit card risk situation very severe, and the security of national financial order and the normal operation of financial system are threatened. Risk prevention and control ability can determine the profitability and sustainable development level of commercial banks. According to this, the problems that our commercial banks need to solve are: forming risk management consciousness, perfecting risk prevention and control system, improving risk management ability, which is not only the actual requirement of external supervision, It is also a necessary condition for internal development. In recent years, with the rapid development of market economy, ICBC of Inner Mongolia continuously innovates credit card business, strengthens the credit card business market expansion, the credit card business development is swift and violent. In this process, credit card risk is gradually exposed, entering a high incidence period, non-performing loan rate and balance increases year by year, risk control pressure is increasing. Therefore, through the study of credit card business risk management, it is of vital practical significance to promote the perfection of credit card risk management framework and promote the sustainable, safe and stable development of credit card business of Inner Mongolia Industrial and Commercial Bank of China. Based on the specific theory of risk management of commercial banks, this paper uses the experience and model of risk management in the development of credit card business at home and abroad for reference, and adopts the method of combining case study with normative research. According to the different fields of credit card business, the risks faced by projects and business processes, the classification, identification and analysis are carried out. This paper is composed of five chapters: the first chapter is to explain the background, purpose and significance of the relevant research; The second chapter introduces the related concepts of credit card business, summarizes the analysis of credit card business and risk status quo that the current ICBC Inner Mongolia in credit card risk management in many aspects, including marketing, information technology, Operation and credit information; The third chapter is based on the credit risk, operational risk and fraud risk, clear the causes of risk problems, and in-depth analysis of the internal defects of credit card management; The fourth chapter is based on qualitative and quantitative analysis, put forward the credit card risk prevention and control measures, set up a risk management system, the purpose is to reduce the credit risk of ICBC Inner Mongolia Branch, Ensure the effectiveness of risk management; The fifth chapter is a summary of the views of this paper, and put forward related research prospects.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2
本文编号：2361179
[Abstract]:With the continuous transformation and upgrading of our financial market and the rapid development of credit card market, the amount of credit card issued by commercial banks and the amount of consumption have increased significantly, and the market competition has become increasingly fierce. Compared with the western developed countries, the credit card business starts later in our country, the development foundation is relatively weak, the rules and regulations need to be further improved, and the accumulated business experience is insufficient, which leads to the relatively low quality and efficiency of the business. Moreover, extensive management mode is widely adopted, which makes the credit card risk situation very severe, and the security of national financial order and the normal operation of financial system are threatened. Risk prevention and control ability can determine the profitability and sustainable development level of commercial banks. According to this, the problems that our commercial banks need to solve are: forming risk management consciousness, perfecting risk prevention and control system, improving risk management ability, which is not only the actual requirement of external supervision, It is also a necessary condition for internal development. In recent years, with the rapid development of market economy, ICBC of Inner Mongolia continuously innovates credit card business, strengthens the credit card business market expansion, the credit card business development is swift and violent. In this process, credit card risk is gradually exposed, entering a high incidence period, non-performing loan rate and balance increases year by year, risk control pressure is increasing. Therefore, through the study of credit card business risk management, it is of vital practical significance to promote the perfection of credit card risk management framework and promote the sustainable, safe and stable development of credit card business of Inner Mongolia Industrial and Commercial Bank of China. Based on the specific theory of risk management of commercial banks, this paper uses the experience and model of risk management in the development of credit card business at home and abroad for reference, and adopts the method of combining case study with normative research. According to the different fields of credit card business, the risks faced by projects and business processes, the classification, identification and analysis are carried out. This paper is composed of five chapters: the first chapter is to explain the background, purpose and significance of the relevant research; The second chapter introduces the related concepts of credit card business, summarizes the analysis of credit card business and risk status quo that the current ICBC Inner Mongolia in credit card risk management in many aspects, including marketing, information technology, Operation and credit information; The third chapter is based on the credit risk, operational risk and fraud risk, clear the causes of risk problems, and in-depth analysis of the internal defects of credit card management; The fourth chapter is based on qualitative and quantitative analysis, put forward the credit card risk prevention and control measures, set up a risk management system, the purpose is to reduce the credit risk of ICBC Inner Mongolia Branch, Ensure the effectiveness of risk management; The fifth chapter is a summary of the views of this paper, and put forward related research prospects.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.2
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