基于业务流程的Z银行信用卡风险管理研究

发布时间：2018-04-19 15:56

本文选题：信用卡风险 + 风险管理　；参考：《南昌大学》2014年硕士论文

【摘要】：进入21世纪以来，，社会经济环境、信用卡业务环境逐渐成熟，中国银行卡产业不断围绕市场需求，完善产品线，丰富产品功能，实现了飞速发展。随着持卡人规模、交易量规模的迅速扩张，前期粗放的业务模式所带来的风险隐患也不断暴露，信用卡的安全问题日益突出。安全问题的出现源自各个业务环节，但一线获客管理、中台审核管理、后台监测管理等环节所能利用的业务资源、查核技能以及所需依据的法律规章所受到的约束都在很大程度上制约了信用卡业务的安全发展。本文正是在这样的背景之下，以Z银行信用卡中心为研究对象，运用理论研究、案例分析、数据模型等方法，基于业务流程深入剖析提炼出Z银行信用卡中心在风险管理工作上存在的问题：一是基于风险管理的要求，相关的组织架构需进行优化；二是风险管理工作在各部门间为形成联动效应；三是在获客流程中的作业行为有待进一步规范；四是征信审核工作中，信用评分模型、业务支持系统等仍有待优化；五是贷后管理工作尚未形成完整科学的业务链条。立足于操作实务，本文提出“全流程风险管理”的业务策略，Z银行信用卡中心可以从组织架构调整、制度建设、系统改造、评分模型优化、绩效考核建制等方面入手，修补风险管理的漏洞，提升风险管理的整体水平，为Z银行信用卡业务的长久稳健发展奠定基础
[Abstract]:Since the beginning of the 21st century, the social economic environment and credit card business environment have gradually matured. The banking card industry in China has been continuously focusing on the market demand, perfecting the product line, enriching the product function, and realizing the rapid development.With the rapid expansion of the scale of cardholder and trading volume, the risks brought by the extensive business model in the early period are exposed constantly, and the security problems of credit card are becoming more and more prominent.Safety problems arise from various business links, but the business resources that can be utilized by the first-line management of customers, the management of audit in Central Taiwan, the management of back-office monitoring, and so on,The security of credit card business is largely constrained by the check skills and the restrictions on the laws and regulations required.Under this background, this paper takes the credit card center of Z Bank as the research object, using the methods of theoretical research, case analysis, data model, etc.Based on the analysis of business process, the problems of risk management in Z bank credit card center are abstracted: first, based on the requirements of risk management, the related organizational structure needs to be optimized;Second, risk management work in various departments for the formation of a linkage effect; third, in the process of the business to be further standardized; fourth, credit audit work, credit scoring model, business support system and so on still need to be optimized;Fifth, after the loan management work has not yet formed a complete scientific business chain.Based on the operational practice, this paper puts forward the business strategy of "whole process risk management". The credit card center of Bank Z can start from the aspects of organizational structure adjustment, system construction, system transformation, grading model optimization, performance appraisal system, etc.To mend the loopholes of risk management, to improve the overall level of risk management, and to lay the foundation for the long-term and steady development of the credit card business of Bank Z
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

【参考文献】