A银行B分行信用卡业务信用风险管理研究

发布时间：2018-04-16 02:33

本文选题：商业银行 + 信用卡业务　；参考：《广西大学》2017年硕士论文

【摘要】：21世纪以来,我国商业银行的信用卡业务进入了高速发展的轨道,截至2015年,我国信用卡新增发卡量8000万张,累计发卡量达5.3亿张,比上年增长17.8%,信用卡人均持卡量达0.39张。信用风险是信用卡业务面临的主要风险,随着信用卡业务的快速增长,逾期违约、非法套现、恶意透支等信用卡信用风险事件不断发生,我国商业银行开始意识到信用卡信用风险管理的重要性,并且不断的加强信用卡信用风险管理。然而,我国商业银行信用卡业务发展的时间较短,风险控制的水平还处于较低阶段,缺乏完善的管理机制。因此,开展信用卡业务信用风险管理研究对于保持信用卡行业持续、稳定的发展具有重大的意义。本文首先着重分析信用卡信用风险管理的相关理论,对信用卡信用风险管理理论进行详细阐述及评述,接着以A银行B分行为具体研究对象,对该行信用卡发展现状和风险现状进行了分析,并对该行信用卡业务风险管理现状及其存在的问题进行了分析总结,通过建立Logistic回归方程,结合A银行B分行2015年的实际经营业务数据,选取了性别、年龄、受教育程度、婚姻、年收入等9个变量对信用卡业务的信用风险进行了实证研究,最后通过借鉴国外信用卡信用风险管理的成功经验并结合Logistic回归模型的实证分析结论,针对A银行B分行的相应问题,提出了树立正确的风险管理观念,强化风险管理意识、优化信用卡贷前审核流程、加强信用卡贷中动态追踪机制建设、完善信用卡贷后催收机制、转变营销策略,深度挖掘优质客户等具体建议。
[Abstract]:Since the 21st century, the credit card business of the commercial bank of our country has entered the high speed development track. Up to 2015, the new credit card issued quantity of our country is 80 million, the accumulative amount of issuing the card reaches 530 million, increase 17.8% over the previous year, the credit card per capita holds the quantity to reach 0.39.Credit risk is the main risk faced by credit card business. With the rapid growth of credit card business, overdue default, illegal cash, malicious overdraft and other credit card credit risk events continue to occur.China's commercial banks begin to realize the importance of credit card credit risk management, and continue to strengthen credit card credit risk management.However, the development of credit card business in Chinese commercial banks is relatively short, the level of risk control is still in a low stage, and there is a lack of perfect management mechanism.Therefore, the research on credit risk management of credit card business is of great significance to keep the development of credit card industry sustainable and stable.In this paper, the related theories of credit card credit risk management are analyzed, and the credit risk management theory of credit card is expounded and commented in detail. Then, A Bank B Branch is taken as the specific research object.This paper analyzes the present situation of credit card development and risk, and summarizes the present situation and problems of credit card business risk management, and establishes the Logistic regression equation.Based on the actual business data of A Bank B Branch in 2015, this paper selects 9 variables, such as gender, age, education level, marriage, annual income and so on, to make an empirical study on credit risk of credit card business.Finally, based on the successful experience of foreign credit card credit risk management and the empirical analysis conclusion of Logistic regression model, aiming at the corresponding problems of Bank A B Branch, this paper puts forward to establish a correct risk management concept and strengthen risk management consciousness.Optimize the credit card pre-loan audit process, strengthen the dynamic tracking mechanism in credit card loan construction, improve the credit card post-loan collection mechanism, change marketing strategy, depth mining high-quality customers and other specific suggestions.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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