Z银行信用卡信用风险控制研究

发布时间：2018-01-01 03:00

本文关键词：Z银行信用卡信用风险控制研究　出处：《华南理工大学》2014年硕士论文　论文类型：学位论文

更多相关文章： 信用卡 信用风险 不良率 风险管理

【摘要】：论文以Z银行信用卡中心作为研究案例，针对该银行信用卡不良率居高不降的存在问题，通过研究信用卡贷后管理业务数据，对其现存客群做分析，找出问题客群，提出建立贷前、贷中、贷后的全面的风险控制机制等具体措施。研究过程可以作为各大商业银行信用卡中心解决与防范信用风险的一个参考案例。本文的研究是基于如下实际背景，即随着中国经济迅速的发展，居民购买力的不断增强以及在消费观念方面的转变，信用卡作为一种便捷的交易方式，在国内迅速地发展。已经成为当今社会不可缺少的重要支付方式之一，也成为各银行争相发展的重点业务之一。但是，，在经历了多年跑马圈地式的快速发展之后，为了竭力扩大客户规模，各大银行普遍存在滥发卡的现象，大量的发卡的同时带来了巨大的风险敞口。而近年以来经济增速下滑、持卡人偿债能力下降，各银行的逾期率与不良率也悄然上升，让银行尝到了盲目发卡的恶果。此外，目前各家银行的流动性紧张、总行规模限制成常态，各卡中心贷款规模受约束；资金成本上升带来的资本约束；经济下行带来风险约束。如何在规模约束、资本约束和风险约束的前提下降低不良率，如何由“跑马圈地”向“精耕细作”转型，如何调整客群结构是各家信用卡中心未来发展主题。从信用卡信用风险进行剖析，提出可行的风险管理优化策略建议，一方面希望通过采用提出的优化策略建议，帮助卡中心优化客群结构、降低不良率，从而达到卡中心经营管理目标；另一方面也希望该分析方法与策略建议能对其他商业银行信用卡业务的风险分析与控制起到一定的理论指导与借鉴意义。
[Abstract]:In this paper, Z Bank credit card center as a case study, in view of the bank credit card failure rate of high or no decline, through the study of credit card management business data, to its existing customer group analysis. Find out the problem group and put forward the establishment of the loan before the loan. The research process can be used as a reference case for the credit card center of major commercial banks to solve and prevent the credit risk. The research of this paper is based on the following practical background, that is, with the rapid development of Chinese economy, the increasing purchasing power of residents and the change of consumption concept, credit card is a convenient way of transaction. In the domestic rapid development. Has become one of the indispensable payment methods of the society, but also become one of the key business in the development of banks. After years of fast development, in order to expand the scale of customers, the phenomenon of card abuse is common in the major banks. The massive issuance of cards has also brought huge exposure. In recent years, economic growth has declined, cardholders' ability to repay debt has fallen, and banks' delinquency and delinquency rates have quietly risen. Let the bank taste the evil effect of blind card. In addition, the current liquidity of the banks are tight, the size of the head office is limited to normal, the card center loan size is constrained; Capital constraints brought about by the rising cost of capital; Under the premise of scale constraint, capital constraint and risk constraint, how to reduce the bad rate, and how to transform from "running horses and encircling land" to "intensive cultivation". How to adjust the structure of customers is the future development theme of credit card centers. From the credit card credit risk analysis, put forward feasible risk management optimization strategy recommendations, on the one hand, hope to use the proposed optimization strategy recommendations, to help the card center to optimize the structure of customers, reduce the bad rate. In order to achieve the management objectives of the card center; On the other hand, I also hope that the analysis method and strategy suggestions can play a certain theoretical guidance and reference significance to the risk analysis and control of credit card business of other commercial banks.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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