工商银行信用卡欺诈风险防范策略研究

发布时间：2018-06-25 18:57

本文选题：商业银行 + 信用卡　；参考：《华东师范大学》2014年硕士论文

【摘要】：二十一世纪以来,随着我国经济总量的不断扩大和国民消费能力的不断上升,信用卡业务也得到了飞速的发展。信用卡作为快捷支付的一种工具,活跃于线上和线下各种类型的支付渠道,成为国民生活中必不可少的一种支付工具。然而,受限于我国商业银行信用卡发展历史短、管理经验少等因素的限制,目前我国商业银行信用卡风险控制的能力和措施都有不足之处。本文研究的目的和意思在于通过分析和研究给工行的信用卡欺诈风险防范提供新的思路；减少银行信用卡的欺诈风险损失,提高信用卡业务的效益。本文首先介绍了信用卡产业的发展模式与业务特征,引出信用卡业务的主要风险类型,并指出本文研究的主要风险是信用卡欺诈风险,该种风险目前呈现出愈演愈烈的趋势。在介绍了信用卡各种风险类型后,文章对信用卡欺诈风险进行了详细的论述,分析了信用卡欺诈风险形成的原因。在此基础上,对工行现行的欺诈风险的评估方法进行了阐述。通过对目前国际信用卡欺诈风险发展趋势的分析,以及对工商银行现行欺诈风险防范措施的分析,找出目前工行管理方面的缺失。最后结合国内外文献,并借鉴国外相关管理经验,对工行信用卡欺诈风险管理模式提出建议。从系统建设上,加强银行操作风险的预防与规避,加强内控系统的建设；从技术层面上,提高利用科技手段防范风险的能力；从管理理念上,借鉴国外先进的管理经验和方法；从人员管理上,提高从业人员素质和风险防范意识。希望本文的研究和建议,能够为工行的信用卡欺诈防范风险提供新的研究思路和视角；为信用卡业务长期健康的发展排除障碍。
[Abstract]:Since the 21 century, the credit card business has been developing rapidly with the expansion of China's economy and the rising of the national consumption power. As a tool of quick payment, credit card is active in online and offline payment channels, and has become an indispensable payment tool in national life. However, limited by the short history of credit card development, management experience and other factors, China's commercial bank credit card risk control capacity and measures have shortcomings. The purpose and meaning of this paper is to provide a new idea for ICBC's credit card fraud risk prevention through analysis and research, to reduce the loss of bank credit card fraud risk, and to improve the efficiency of credit card business. This paper first introduces the development mode and business characteristics of the credit card industry, leads to the main risk types of credit card business, and points out that the main risk studied in this paper is the credit card fraud risk. After introducing various types of credit card risk, the paper discusses the credit card fraud risk in detail, and analyzes the reasons for the credit card fraud risk. On this basis, the current ICBC fraud risk assessment methods are expounded. Through the analysis of the development trend of the international credit card fraud risk and the analysis of the current fraud risk prevention measures of ICBC, the deficiency of ICBC management is found out. Finally, combining the domestic and foreign literature, and drawing on the relevant management experience of foreign countries, ICBC's credit card fraud risk management model is proposed. In the aspect of system construction, we should strengthen the prevention and circumvention of operational risks of banks, strengthen the construction of internal control systems, improve the ability of preventing risks by using scientific and technological means from the technical level, learn from the advanced management experience and methods of foreign countries in terms of management concepts, and strengthen the construction of internal control systems. From the personnel management, improve the quality of practitioners and awareness of risk prevention. It is hoped that the research and suggestions in this paper can provide a new research idea and perspective for ICBC's credit card fraud risk prevention and remove obstacles for the long-term healthy development of credit card business.
【学位授予单位】：华东师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.2

【参考文献】