A银行厦门分行信用卡业务风险管理研究

发布时间：2018-04-23 11:38

本文选题：银行 + 信用卡　；参考：《厦门大学》2014年硕士论文

【摘要】：近年来,我国的信用卡市场一直保持高速增长态势,由于信用卡业务在拓展客户群体、提高中间业务收入等方面的优势,成为商业银行的战略转型过程中竞争的热点。信用卡也因其支付便捷、消费信贷的特征,越来越为广大国内消费者所接受。但是,随着信用卡市场竞争与发展,虚假冒用、非法套现、恶意透支等信用卡风险事件不断发生,并且体现出科技化、多样性、危害大的特点。我国当前的信用卡业务风险管理水平仍处于初级阶段,缺乏完善的外部环境和科学的管理机制,所以进行信用卡风险管理的研究对于保持信用卡业务的稳定、健康发展具有重大意义。本文首先全面系统地阐述了信用卡及信用卡风险管理的相关理论,分析了信用卡风险管理的特点、目标及流程。接着介绍了我国信用卡行业的风险现状,从外部环境及发卡银行剖析了我国信用卡风险管理存在的问题,并借鉴美国、澳大利亚、韩国的信用卡风险管理经验,提出了对我国发展的几点启示。然后以A银行厦门分行为研究对象,对该行的信用卡风险状况及风险管理流程进行了介绍,总结了其客观存在的问题以及其成因。最后基于前面的研究情况,从不同方面对A银行厦门分行完善信用卡风险管理模式与体制提出了对策建议。本文的研究,对A银行厦门分行加强信用卡风险管理改革和把握关键风险因素有一定的参考价值。
[Abstract]:In recent years, the credit card market in China has maintained a high growth trend. Because of the advantages of credit card business in expanding customer groups and improving the income of intermediate business, it has become a hot point of competition in the process of strategic transformation of commercial banks. Credit card is more and more accepted by domestic consumers because of its convenient payment and characteristics of consumer credit. However, with the competition and development of credit card market, the credit card risk events such as false use, illegal cash, malicious overdraft and other credit card risk events continue to occur, and reflect the characteristics of science and technology, diversity and great harm. The current risk management level of credit card business in our country is still in the initial stage, lacking of perfect external environment and scientific management mechanism, so the research on credit card risk management can maintain the stability of credit card business. Healthy development is of great significance. In this paper, the related theories of credit card and credit card risk management are expounded, and the characteristics, objectives and flow of credit card risk management are analyzed. Then it introduces the risk situation of credit card industry in China, analyzes the problems existing in credit card risk management from external environment and credit card issuing bank, and draws lessons from the experience of credit card risk management in the United States, Australia and South Korea. Some enlightenments to the development of our country are put forward. Then taking the Xiamen Branch of Bank A as the research object, the paper introduces the credit card risk situation and risk management process of the bank, summarizes its objective problems and its causes. Finally, based on the previous research, the paper puts forward some countermeasures and suggestions on how to perfect the credit card risk management model and system of A Bank Xiamen Branch from different aspects. The research in this paper has some reference value for A Bank Xiamen Branch to strengthen the credit card risk management reform and grasp the key risk factors.
【学位授予单位】：厦门大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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