本文關(guān)鍵詞：我國商業(yè)銀行信用卡運(yùn)營風(fēng)險管理研究　出處：《安徽大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

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【摘要】：信用卡業(yè)務(wù)在我國開展的時間不長,具有一定的風(fēng)險性,對銀行來說屬于成本和收益都比較高的業(yè)務(wù)。信用卡業(yè)務(wù)的風(fēng)險主要存在于商業(yè)銀行信用卡的信用卡發(fā)行、信用卡使用、信用卡支付等環(huán)節(jié),在信用卡使用過程中,風(fēng)險會關(guān)系到信用卡發(fā)行商業(yè)銀行、信用卡持卡人和信用卡特約商戶等,影響到若干相關(guān)利益組織。在中國,信用卡相對于西方發(fā)達(dá)國家的發(fā)展歷程比較短,所以我國商業(yè)銀行信用卡運(yùn)營風(fēng)險管理水平不高,信用卡是沒有經(jīng)過實踐充分檢驗風(fēng)險性的信貸工具。由于目前國內(nèi)各大商業(yè)銀行為了搶占市場而擴(kuò)大營銷規(guī)模,大力發(fā)展信用卡業(yè)務(wù),沒有把注意力集中到信用卡的風(fēng)險上,對于持卡人信用程度關(guān)注不足,從而使商業(yè)銀行信用卡的“風(fēng)險客戶”越來越多,加大了信用卡業(yè)務(wù)的風(fēng)險,信用卡不良額有所增加。同國外發(fā)達(dá)國家相比,中國是一個信用卡用戶開發(fā)不足的潛在信用卡大市場,有著更廣闊的發(fā)展空間,但我國的信用卡產(chǎn)業(yè)有著獨(dú)特的發(fā)展環(huán)境,面臨的業(yè)務(wù)風(fēng)險也不小。因此,我國現(xiàn)階段信用卡業(yè)務(wù)要健康發(fā)展,要加強(qiáng)我國商業(yè)銀行信用卡風(fēng)險的識別、信用卡風(fēng)險的度量以及信用卡風(fēng)險的管理。因此,有必要對我國商業(yè)銀行信用卡的運(yùn)營風(fēng)險管理,進(jìn)行詳細(xì)深入的研究。 本文梳理了以往學(xué)者的研究,明確了我國商業(yè)銀行信用卡運(yùn)營風(fēng)險管理研究的出發(fā)點(diǎn)和理論基礎(chǔ)。本文明確了我國商業(yè)銀行信用卡發(fā)展及風(fēng)險管理現(xiàn)狀,明確已經(jīng)取得的成績和存在的問題,研究了我國商業(yè)銀行信用卡申請風(fēng)險管理、授信風(fēng)險管理、透支風(fēng)險管理、交易風(fēng)險管理、收單風(fēng)險管理現(xiàn)狀及存在的問題,并列舉了一些典型案例。本文進(jìn)行了我國商業(yè)銀行信用卡運(yùn)營風(fēng)險形成的原因分析,認(rèn)為我國商業(yè)銀行內(nèi)部風(fēng)險管理成因有風(fēng)險意識有待提高、內(nèi)部管理制度不完善、技術(shù)手段相對落后、專業(yè)人員投入不足；進(jìn)行了社會信用及金融生態(tài)環(huán)境成因分析,認(rèn)為成因是客戶對自身信息保護(hù)不足、信用意識不強(qiáng),信用卡產(chǎn)業(yè)鏈條各環(huán)節(jié)人員風(fēng)險意識不強(qiáng),媒體與輿論宣傳對公眾的導(dǎo)向存在偏差,執(zhí)法機(jī)構(gòu)對案件調(diào)查與懲處力度不足;進(jìn)行了外部金融監(jiān)管成因分析,包括監(jiān)管體制、監(jiān)管的規(guī)章制度、監(jiān)管的手段、監(jiān)管人員的專業(yè)性等原因。本文提出了加強(qiáng)我國商業(yè)銀行信用卡運(yùn)營風(fēng)險管理的對策與建議,包括加強(qiáng)運(yùn)營風(fēng)險管理應(yīng)堅持持的安全性、預(yù)防性、連續(xù)性、信息溝通與交換的原則,具體措施與建議包括更新觀念、制定合理的授信政策從源頭控制、加強(qiáng)征信審核業(yè)務(wù)管理、建立風(fēng)險預(yù)警機(jī)制、建立有效的催收體系、加強(qiáng)數(shù)據(jù)分析,保障性措施秘建議包括加強(qiáng)制度建設(shè)、更新技術(shù)手段、加強(qiáng)人員培訓(xùn)、加大資金投入。 本文仃助于深化我國商業(yè)銀行信用卡運(yùn)營風(fēng)險管理的理論研究。本文通過對商業(yè)銀行信用卡運(yùn)營風(fēng)險管理較為系統(tǒng)的研究,促使商業(yè)銀行能夠有效的防范風(fēng)險,從而實現(xiàn)商業(yè)銀行信用卡全程運(yùn)營管理的穩(wěn)健性和安全性。
[Abstract]:The development of credit card business in China is not a long time, with a certain risk, the banks belong to the costs and benefits were relatively high risk business. Credit card business mainly exists in the commercial bank credit card credit card, credit card, credit card and other links in the process of using credit cards. In relation to the risk of credit card issuing banks, credit card and credit card merchants, affect some interest groups. In Chinese, credit card with respect to the development of the western developed countries is relatively short, so China's commercial bank credit card business risk management level is not high, the credit card is not the result of the practice of credit risk test tools. Due to the current domestic commercial banks in order to seize the market and expand the scale of marketing, developing the credit card business, not to pay attention to credit card The degree of credit risk, the cardholder insufficient attention, so that commercial bank credit card "risk customers more and more, increasing the risk of credit card business, credit card bad amount increased. Compared with the developed countries, China is a big market potential credit card credit card users have developed deficiencies. A broader space for development, but the credit card industry in China has a unique development environment, facing the business risk is not small. Therefore, at the present stage of China's credit card business to the healthy development, to strengthen the risk identification card of China's commercial bank credit risk measurement, credit card and credit card risk management. Therefore, it is necessary for the operational risk management of China's commercial bank credit card, to make a further research.
This paper reviews the research of previous scholars, the starting point of China's commercial bank credit card risk management research operation and theoretical basis. This paper introduced our country commercial bank credit card development and risk management of the status quo, clearly has the achievements and problems of China's commercial banks, credit card risk management credit risk management, risk management, overdraft, transaction risk management, acquiring risk management status and existing problems, and enumerates some typical cases. This paper analyzes the reasons of China's commercial bank credit card business risk, that risk awareness needs to be improved causes of the internal risk management of commercial banks in China, the internal management system not perfect, technology is relatively backward, lack of professional investment; analyzes the social credit and financial ecological environment causes, that is a client of its letter of origin The lack of protection of information, credit awareness is not strong, the credit card industry chain personnel risk awareness is not strong, the media and public opinion propaganda to the public there are deviations, investigation of the case law enforcement agencies and the lack of punishment; analyzes the external causes of financial supervision, including supervision system, supervision rules and regulations, means of supervision, professional the reason of supervision personnel. This paper proposes countermeasures and suggestions to strengthen the card operation risk management of China's commercial bank credit, including strengthening the operational risk management should adhere to safety, to preventive, continuity, information communication and exchange principle, concrete measures and suggestions including new ideas, develop a reasonable credit policy from the source control, strengthen the credit business management audit, establish a risk warning mechanism, the establishment of effective collection system, strengthen the data analysis, security measures include strengthening the system construction, We should renew technical means, strengthen personnel training, and increase investment in funds.
Theoretical study on operational risk management of the analysis helps to deepen China's commercial bank credit card. This paper makes a systematic research on the operational risk management of commercial bank credit card, make the commercial banks can effectively prevent risks, so as to realize the stability and safety of the whole operation and management of commercial bank credit card.

【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2

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