發(fā)布時(shí)間：2019-03-13 14:24

【摘要】：我國(guó)的信用卡業(yè)務(wù)已經(jīng)進(jìn)入一個(gè)高速發(fā)展的階段,自2003年以來(lái)我國(guó)信用卡發(fā)卡規(guī)模迎來(lái)了爆發(fā)式的增長(zhǎng),各大銀行為了快速搶占信用卡市場(chǎng)份額,通過(guò)“跑馬圈地”方式發(fā)放信用卡,甚至一些中小銀行在信用卡風(fēng)險(xiǎn)管理水平相對(duì)薄弱的情況下,也紛紛加入發(fā)卡大軍。隨著發(fā)卡量的劇增,各家銀行的信用卡不良率也節(jié)節(jié)攀升,信用卡風(fēng)險(xiǎn)不斷暴露。然而,風(fēng)險(xiǎn)管理是發(fā)展信用卡業(yè)務(wù)最核心的內(nèi)容,如何控制好風(fēng)險(xiǎn),是確保信用卡業(yè)務(wù)健康、可持續(xù)發(fā)展的關(guān)鍵所在。從發(fā)達(dá)國(guó)家發(fā)展信用卡實(shí)踐來(lái)看,風(fēng)險(xiǎn)管理貫穿于信用卡業(yè)務(wù)的各個(gè)環(huán)節(jié),所有業(yè)務(wù)都以防范風(fēng)險(xiǎn)為核心。因此,我國(guó)在信用卡業(yè)務(wù)高速發(fā)展同時(shí),如何建立起有效的風(fēng)險(xiǎn)管理體系是目前商業(yè)銀行面臨最大問題。 寧波銀行作于2003年開始經(jīng)營(yíng)信用卡業(yè)務(wù),經(jīng)過(guò)幾年的發(fā)展在市場(chǎng)占有率和品牌知名度都得到了提升。然而,寧波銀行作為一家中小銀行與一些大銀行在風(fēng)險(xiǎn)管理方面存在一定差距,其風(fēng)險(xiǎn)管理仍處于初級(jí)階段,風(fēng)險(xiǎn)管理水平未能滿足業(yè)務(wù)的快速發(fā)展,從而導(dǎo)致風(fēng)險(xiǎn)問題不斷暴露。本文將通過(guò)對(duì)寧波銀行信用卡發(fā)展歷史與現(xiàn)狀以及風(fēng)險(xiǎn)管理各個(gè)階段的風(fēng)險(xiǎn)管理措施做了詳細(xì)的介紹,包括貸前、貸中、貸后的風(fēng)險(xiǎn)管理措施,并對(duì)兩個(gè)典型的案例進(jìn)行深入的剖析,找出其再風(fēng)險(xiǎn)管理中存在的問題。最后,針對(duì)寧波銀行在信用卡風(fēng)險(xiǎn)管理方面存在的問題結(jié)合其實(shí)際情況,提出切實(shí)可行的風(fēng)險(xiǎn)管理提升措施。
[Abstract]:China's credit card business has entered a stage of high-speed development. Since 2003, the scale of credit card issuance in China has ushered in explosive growth. In order to rapidly seize the share of the credit card market, Even some small and medium-sized banks have joined the credit card issuing army under the relatively weak level of credit card risk management through the "Horse Circle" way of issuing credit cards, and even a few small and medium-sized banks have joined the credit card issuing force. Credit card risk has been exposed as the number of cards issued has skyrocketed and the banks' credit card malpractice has risen. However, risk management is the core of the development of credit card business. How to control the risk well is the key to ensure the healthy and sustainable development of credit card business. From the practice of credit card development in developed countries, risk management runs through all aspects of credit card business, all of which take risk prevention as the core. Therefore, at the same time, how to establish an effective risk management system is the biggest problem for commercial banks. Ningbo Bank began to operate credit card business in 2003, after several years of development in the market share and brand awareness has been improved. However, Ningbo Bank, as a small and medium-sized bank, has a certain gap with some big banks in risk management. Its risk management is still in the initial stage, and the level of risk management has failed to meet the rapid development of business. This leads to the constant exposure of the risk problem. This article will make a detailed introduction to the history and present situation of Ningbo Bank's credit card development and the risk management measures in various stages of risk management, including the risk management measures before, during and after the loan. The two typical cases are analyzed in depth to find out the problems existing in the re-risk management. Finally, in view of the problems existing in the credit card risk management of Ningbo Bank, combined with its actual situation, this paper puts forward feasible measures to improve the risk management.
【學(xué)位授予單位】：長(zhǎng)沙理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 曾貞;;我國(guó)信用卡信用風(fēng)險(xiǎn)的防范對(duì)策分析[J];經(jīng)營(yíng)管理者;2011年01期

2 崔金珍;;論韓國(guó)信用卡業(yè)法律監(jiān)管的特色——兼評(píng)《韓國(guó)信貸金融業(yè)法》的最新修正[J];華東政法大學(xué)學(xué)報(bào);2012年01期

3 彭以明;;美國(guó)信用卡市場(chǎng)的立法監(jiān)管及對(duì)我國(guó)的借鑒意義[J];經(jīng)濟(jì)視角(下);2011年12期

4 吳曉光;宋琳;周婧燁;;信用卡衍生業(yè)務(wù)及其風(fēng)險(xiǎn)管理探析[J];金融縱橫;2011年12期

5 曉伊;;我們會(huì)變成“卡奴”嗎?[J];中國(guó)經(jīng)濟(jì)信息;2006年09期

6 吳沖,呂靜杰;我國(guó)商業(yè)銀行信用風(fēng)險(xiǎn)成因分析[J];企業(yè)經(jīng)濟(jì);2004年01期

7 胡勇;張永青;;信用卡風(fēng)險(xiǎn)管理[J];特區(qū)經(jīng)濟(jì);2006年01期

8 吳可;;信用卡的發(fā)展與風(fēng)險(xiǎn)管理[J];現(xiàn)代經(jīng)濟(jì)信息;2009年06期

9 邵祖華;美國(guó)的個(gè)人信用制度及其啟示[J];中國(guó)信用卡;2001年01期

10 黎曉波;王征宇;;中國(guó)信用卡風(fēng)險(xiǎn)管理的若干問題[J];中國(guó)信用卡;2008年02期

，

本文編號(hào)：2439466