【摘要】：本文針對(duì)大學(xué)生信用卡存在的風(fēng)險(xiǎn)問題,通過調(diào)查湖南省大學(xué)生信用卡市場(chǎng)的現(xiàn)狀,分析了其特點(diǎn)與規(guī)律,建立了相應(yīng)的風(fēng)險(xiǎn)評(píng)價(jià)模型,進(jìn)而對(duì)大學(xué)生信用卡風(fēng)險(xiǎn)影響因素進(jìn)行了研究,并給出了完善大學(xué)生信用卡風(fēng)險(xiǎn)管理相應(yīng)的對(duì)策建議。 調(diào)查涉及了大學(xué)生信用卡的辦卡動(dòng)機(jī)、使用情況、持卡數(shù)量、信用記錄等情況,分析了大學(xué)生的收入來源、消費(fèi)結(jié)構(gòu)、透支頻率、月平均收入、還款情況、違約情況等重要信息。結(jié)果發(fā)現(xiàn)當(dāng)前大學(xué)生辦理信用卡的人數(shù)以及人均持卡量都呈現(xiàn)不斷增長(zhǎng)的趨勢(shì),但由于大學(xué)生的消費(fèi)與收入等的特點(diǎn),在使用信用卡產(chǎn)生透支額度時(shí)可能存在無力償付的隱患。加之當(dāng)前大學(xué)生信用卡的申請(qǐng)門檻較低,而銀行的個(gè)人信用體系卻遠(yuǎn)未完善,因此,銀行在大學(xué)生信用卡業(yè)務(wù)上承受著較大的風(fēng)險(xiǎn)。 針對(duì)大學(xué)生信用卡市場(chǎng)存在的風(fēng)險(xiǎn)問題,運(yùn)用調(diào)查數(shù)據(jù)進(jìn)行統(tǒng)計(jì)分析,利用Logstic模型對(duì)大學(xué)生信用卡風(fēng)險(xiǎn)進(jìn)行評(píng)價(jià)。結(jié)果發(fā)現(xiàn),在大學(xué)生信用卡風(fēng)險(xiǎn)的主要影響因素中,影響程度由大到小依次為平均月收入、透支頻率、持卡數(shù)量、學(xué)歷、學(xué)校、性別。 通過借鑒國(guó)外大學(xué)生信用卡風(fēng)險(xiǎn)管理的經(jīng)驗(yàn),結(jié)合我國(guó)的實(shí)際情況,對(duì)大學(xué)生信用卡風(fēng)險(xiǎn)管理提出如下建議：第一、規(guī)范大學(xué)生信用卡發(fā)卡程序；第二,加強(qiáng)對(duì)大學(xué)生的理財(cái)和信用教育；第三、建立風(fēng)險(xiǎn)信息共享機(jī)制；第四,完善風(fēng)險(xiǎn)內(nèi)部控制機(jī)制；第五,加快EMV遷移進(jìn)程。
[Abstract]:This paper aims at the risk problem of college students' credit card, through investigating the present situation of Hunan university student credit card market, analyzes its characteristic and law, and establishes the corresponding risk evaluation model. Furthermore, the influencing factors of college students' credit card risk are studied, and the corresponding countermeasures and suggestions are given to improve the management of college students' credit card risk. The investigation involves the motivation, usage, number of credit cards, credit records, etc., and analyzes the income source, consumption structure, overdraft frequency, average monthly income, repayment situation of college students. Breach of contract and other important information. The results show that the number of students handling credit cards and the amount of credit cards per capita are increasing, but due to the characteristics of college students' consumption and income, there may be hidden trouble of being unable to pay when they use the credit card. In addition, the application threshold of college students' credit card is low at present, but the personal credit system of the bank is far from perfect, therefore, the bank is bearing the bigger risk in the university student credit card business. In view of the risk problems in the credit card market of college students, this paper uses the survey data to carry on the statistical analysis, uses the Logstic model to carry on the appraisal to the university student credit card risk. The results show that the main influencing factors of credit card risk are average monthly income, overdraft frequency, number of cards, academic background, school and sex. Through drawing lessons from the experience of foreign university students' credit card risk management and combining the actual situation of our country, this paper puts forward the following suggestions for the university students' credit card risk management: first, standardizing the credit card issuing procedures of college students; second, Strengthen the financial management and credit education for college students; third, establish risk information sharing mechanism; fourth, improve the risk internal control mechanism; fifth, accelerate the process of EMV migration.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2;F224

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