發(fā)布時(shí)間：2018-04-23 11:38

  本文選題：銀行 + 信用卡��； 參考：《廈門(mén)大學(xué)》2014年碩士論文

【摘要】：近年來(lái),我國(guó)的信用卡市場(chǎng)一直保持高速增長(zhǎng)態(tài)勢(shì),由于信用卡業(yè)務(wù)在拓展客戶群體、提高中間業(yè)務(wù)收入等方面的優(yōu)勢(shì),成為商業(yè)銀行的戰(zhàn)略轉(zhuǎn)型過(guò)程中競(jìng)爭(zhēng)的熱點(diǎn)。信用卡也因其支付便捷、消費(fèi)信貸的特征,越來(lái)越為廣大國(guó)內(nèi)消費(fèi)者所接受。但是,隨著信用卡市場(chǎng)競(jìng)爭(zhēng)與發(fā)展,虛假冒用、非法套現(xiàn)、惡意透支等信用卡風(fēng)險(xiǎn)事件不斷發(fā)生,并且體現(xiàn)出科技化、多樣性、危害大的特點(diǎn)。我國(guó)當(dāng)前的信用卡業(yè)務(wù)風(fēng)險(xiǎn)管理水平仍處于初級(jí)階段,缺乏完善的外部環(huán)境和科學(xué)的管理機(jī)制,所以進(jìn)行信用卡風(fēng)險(xiǎn)管理的研究對(duì)于保持信用卡業(yè)務(wù)的穩(wěn)定、健康發(fā)展具有重大意義。 本文首先全面系統(tǒng)地闡述了信用卡及信用卡風(fēng)險(xiǎn)管理的相關(guān)理論,分析了信用卡風(fēng)險(xiǎn)管理的特點(diǎn)、目標(biāo)及流程。接著介紹了我國(guó)信用卡行業(yè)的風(fēng)險(xiǎn)現(xiàn)狀,從外部環(huán)境及發(fā)卡銀行剖析了我國(guó)信用卡風(fēng)險(xiǎn)管理存在的問(wèn)題,并借鑒美國(guó)、澳大利亞、韓國(guó)的信用卡風(fēng)險(xiǎn)管理經(jīng)驗(yàn),提出了對(duì)我國(guó)發(fā)展的幾點(diǎn)啟示。然后以A銀行廈門(mén)分行為研究對(duì)象,對(duì)該行的信用卡風(fēng)險(xiǎn)狀況及風(fēng)險(xiǎn)管理流程進(jìn)行了介紹,總結(jié)了其客觀存在的問(wèn)題以及其成因。最后基于前面的研究情況,從不同方面對(duì)A銀行廈門(mén)分行完善信用卡風(fēng)險(xiǎn)管理模式與體制提出了對(duì)策建議。本文的研究,對(duì)A銀行廈門(mén)分行加強(qiáng)信用卡風(fēng)險(xiǎn)管理改革和把握關(guān)鍵風(fēng)險(xiǎn)因素有一定的參考價(jià)值。
[Abstract]:In recent years, the credit card market in China has maintained a high growth trend. Because of the advantages of credit card business in expanding customer groups and improving the income of intermediate business, it has become a hot point of competition in the process of strategic transformation of commercial banks. Credit card is more and more accepted by domestic consumers because of its convenient payment and characteristics of consumer credit. However, with the competition and development of credit card market, the credit card risk events such as false use, illegal cash, malicious overdraft and other credit card risk events continue to occur, and reflect the characteristics of science and technology, diversity and great harm. The current risk management level of credit card business in our country is still in the initial stage, lacking of perfect external environment and scientific management mechanism, so the research on credit card risk management can maintain the stability of credit card business. Healthy development is of great significance. In this paper, the related theories of credit card and credit card risk management are expounded, and the characteristics, objectives and flow of credit card risk management are analyzed. Then it introduces the risk situation of credit card industry in China, analyzes the problems existing in credit card risk management from external environment and credit card issuing bank, and draws lessons from the experience of credit card risk management in the United States, Australia and South Korea. Some enlightenments to the development of our country are put forward. Then taking the Xiamen Branch of Bank A as the research object, the paper introduces the credit card risk situation and risk management process of the bank, summarizes its objective problems and its causes. Finally, based on the previous research, the paper puts forward some countermeasures and suggestions on how to perfect the credit card risk management model and system of A Bank Xiamen Branch from different aspects. The research in this paper has some reference value for A Bank Xiamen Branch to strengthen the credit card risk management reform and grasp the key risk factors.
【學(xué)位授予單位】：廈門(mén)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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本文編號(hào)：1791799