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  本文關(guān)鍵詞：中國商業(yè)銀行信用卡業(yè)務(wù)誠信問題研究　出處：《北京交通大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行 銀行信用卡 誠信

【摘要】：隨著我國經(jīng)濟(jì)的發(fā)展和金融體系的不斷完善,金融市場化程度日益提高,商業(yè)銀行信用卡業(yè)務(wù)和服務(wù)日益多樣化,滿足了人民群眾對金融產(chǎn)品創(chuàng)新的需求,對個人誠信領(lǐng)域、社會消費和銀行信用卡產(chǎn)業(yè)發(fā)展都起了重要的推動作用。 商業(yè)銀行信用卡業(yè)務(wù)作為一種無抵押擔(dān)保方式的信用放款業(yè)務(wù),在銀行業(yè)務(wù)中屬于高風(fēng)險銀行業(yè)務(wù),業(yè)務(wù)各層面的誠信觀念、相應(yīng)的風(fēng)險防范體系和行業(yè)內(nèi)部管理能力是該項業(yè)務(wù)順利開展的重要前提。近幾年,商業(yè)銀行信用卡業(yè)務(wù)規(guī)�？焖僭鲩L,而各商業(yè)銀行對于信用卡各層面的誠信管理尚不成熟,導(dǎo)致銀行信用卡業(yè)務(wù)出現(xiàn)因誠信缺失而引發(fā)相關(guān)業(yè)務(wù)問題。本文通過對商業(yè)銀行系統(tǒng)業(yè)務(wù)數(shù)據(jù)、失信違法懲處案例的研究分析,認(rèn)為現(xiàn)有商業(yè)銀行信用卡業(yè)務(wù)中某些持卡人、商戶、銀行內(nèi)部員工誠信意識淡薄是誘發(fā)失信行為發(fā)生的基礎(chǔ)；而商業(yè)銀行對于內(nèi)部員工管理不嚴(yán),內(nèi)部誠信體制不健全,給某些員工失信行為留下了業(yè)務(wù)漏洞；當(dāng)前我國社會誠信體系建設(shè)及相關(guān)立法機制不健全,也使得銀行信用卡業(yè)務(wù)發(fā)展缺少必要的制度依據(jù)和行為準(zhǔn)則。 基于對商業(yè)銀行系統(tǒng)業(yè)務(wù)數(shù)據(jù)及失信違法懲處案例的分析,借鑒美國銀行信用卡業(yè)務(wù)的經(jīng)驗,對解決我國商業(yè)銀行信用卡業(yè)務(wù)誠信問題提出全面加強制度規(guī)范和技術(shù)規(guī)范建設(shè)的思路。首先,建立不想為的預(yù)防機制。加強誠信教育,在商業(yè)銀行內(nèi)部建立誠信文化理念,并在銀行信用卡行業(yè)內(nèi)部建立誠信自律機制,健全社會風(fēng)險防范體系和風(fēng)險管理能力。其次,建立不能為的監(jiān)管機制。加強商業(yè)銀行誠信管理,嚴(yán)控發(fā)卡誠信審核關(guān),加強貸后誠信控制,完善商戶誠信數(shù)據(jù)庫加大社會輿論監(jiān)督力度。再次建立不敢為的懲戒機制。最后應(yīng)當(dāng)建立相關(guān)的法律法規(guī),失信黑名單制度。
[Abstract]:With the development of our economy and the continuous improvement of financial system, the degree of financial marketization is increasing, the commercial bank credit card business and services are increasingly diversified, to meet the people's demand for financial product innovation. In the field of personal integrity, social consumption and the development of bank credit card industry have played an important role. Commercial bank credit card business as an unsecured way of credit lending business, in the banking business belongs to high-risk banking business, business at all levels of the concept of good faith. The corresponding risk prevention system and industry internal management ability is an important prerequisite for the smooth development of the business. In recent years, the scale of credit card business of commercial banks has grown rapidly. However, the credit card management of all levels of commercial banks is not mature, leading to credit card business due to lack of integrity and lead to related business problems. This paper through the commercial banking system business data. Based on the analysis of the cases of dishonesty and punishment, it is considered that some credit card holders, merchants and employees in banks are the basis for the occurrence of discredit behavior. But the commercial bank is not strict to the internal staff management, the internal good faith system is not perfect, has left the service loophole to some staff discredit behavior; At present, the construction of social credit system and the related legislative mechanism are not perfect, which makes the development of bank credit card business lack of necessary system basis and code of conduct. Based on the analysis of the business data of commercial bank system and the punishment of breach of trust, the author draws lessons from the experience of credit card business of American bank. To solve the problem of credit card business integrity of commercial banks in China put forward a comprehensive strengthening of institutional norms and technical norms of the train of thought. First of all the establishment of prevention mechanisms do not want to strengthen the integrity of education. In the commercial banks to establish the concept of integrity culture and credit card industry in the banking industry to establish integrity self-discipline mechanism to improve the social risk prevention system and risk management capabilities. Secondly. To strengthen the management of commercial banks' integrity, strictly control the examination of credit card issuance, and strengthen the credit control after lending. We should perfect the bank of good faith of merchants and strengthen the supervision of public opinion. Finally, we should establish the relevant laws and regulations and blacklist system.
【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

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本文編號：1440725