本文選題：商業(yè)銀行 + 信用卡　； 參考：《華東師范大學(xué)》2014年碩士論文

【摘要】：二十一世紀(jì)以來,隨著我國經(jīng)濟(jì)總量的不斷擴(kuò)大和國民消費(fèi)能力的不斷上升,信用卡業(yè)務(wù)也得到了飛速的發(fā)展。信用卡作為快捷支付的一種工具,活躍于線上和線下各種類型的支付渠道,成為國民生活中必不可少的一種支付工具。然而,受限于我國商業(yè)銀行信用卡發(fā)展歷史短、管理經(jīng)驗(yàn)少等因素的限制,目前我國商業(yè)銀行信用卡風(fēng)險(xiǎn)控制的能力和措施都有不足之處。本文研究的目的和意思在于通過分析和研究給工行的信用卡欺詐風(fēng)險(xiǎn)防范提供新的思路；減少銀行信用卡的欺詐風(fēng)險(xiǎn)損失,提高信用卡業(yè)務(wù)的效益。 本文首先介紹了信用卡產(chǎn)業(yè)的發(fā)展模式與業(yè)務(wù)特征,引出信用卡業(yè)務(wù)的主要風(fēng)險(xiǎn)類型,并指出本文研究的主要風(fēng)險(xiǎn)是信用卡欺詐風(fēng)險(xiǎn),該種風(fēng)險(xiǎn)目前呈現(xiàn)出愈演愈烈的趨勢(shì)。在介紹了信用卡各種風(fēng)險(xiǎn)類型后,文章對(duì)信用卡欺詐風(fēng)險(xiǎn)進(jìn)行了詳細(xì)的論述,分析了信用卡欺詐風(fēng)險(xiǎn)形成的原因。在此基礎(chǔ)上,對(duì)工行現(xiàn)行的欺詐風(fēng)險(xiǎn)的評(píng)估方法進(jìn)行了闡述。通過對(duì)目前國際信用卡欺詐風(fēng)險(xiǎn)發(fā)展趨勢(shì)的分析,以及對(duì)工商銀行現(xiàn)行欺詐風(fēng)險(xiǎn)防范措施的分析,找出目前工行管理方面的缺失。 最后結(jié)合國內(nèi)外文獻(xiàn),并借鑒國外相關(guān)管理經(jīng)驗(yàn),對(duì)工行信用卡欺詐風(fēng)險(xiǎn)管理模式提出建議。從系統(tǒng)建設(shè)上,加強(qiáng)銀行操作風(fēng)險(xiǎn)的預(yù)防與規(guī)避,加強(qiáng)內(nèi)控系統(tǒng)的建設(shè)；從技術(shù)層面上,提高利用科技手段防范風(fēng)險(xiǎn)的能力；從管理理念上,借鑒國外先進(jìn)的管理經(jīng)驗(yàn)和方法；從人員管理上,提高從業(yè)人員素質(zhì)和風(fēng)險(xiǎn)防范意識(shí)。 希望本文的研究和建議,能夠?yàn)楣ば械男庞每ㄆ墼p防范風(fēng)險(xiǎn)提供新的研究思路和視角；為信用卡業(yè)務(wù)長期健康的發(fā)展排除障礙。
[Abstract]:Since the 21 century, the credit card business has been developing rapidly with the expansion of China's economy and the rising of the national consumption power. As a tool of quick payment, credit card is active in online and offline payment channels, and has become an indispensable payment tool in national life. However, limited by the short history of credit card development, management experience and other factors, China's commercial bank credit card risk control capacity and measures have shortcomings. The purpose and meaning of this paper is to provide a new idea for ICBC's credit card fraud risk prevention through analysis and research, to reduce the loss of bank credit card fraud risk, and to improve the efficiency of credit card business. This paper first introduces the development mode and business characteristics of the credit card industry, leads to the main risk types of credit card business, and points out that the main risk studied in this paper is the credit card fraud risk. After introducing various types of credit card risk, the paper discusses the credit card fraud risk in detail, and analyzes the reasons for the credit card fraud risk. On this basis, the current ICBC fraud risk assessment methods are expounded. Through the analysis of the development trend of the international credit card fraud risk and the analysis of the current fraud risk prevention measures of ICBC, the deficiency of ICBC management is found out. Finally, combining the domestic and foreign literature, and drawing on the relevant management experience of foreign countries, ICBC's credit card fraud risk management model is proposed. In the aspect of system construction, we should strengthen the prevention and circumvention of operational risks of banks, strengthen the construction of internal control systems, improve the ability of preventing risks by using scientific and technological means from the technical level, learn from the advanced management experience and methods of foreign countries in terms of management concepts, and strengthen the construction of internal control systems. From the personnel management, improve the quality of practitioners and awareness of risk prevention. It is hoped that the research and suggestions in this paper can provide a new research idea and perspective for ICBC's credit card fraud risk prevention and remove obstacles for the long-term healthy development of credit card business.
【學(xué)位授予單位】：華東師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33;F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 吳云;高建軍;;銀行信用卡風(fēng)險(xiǎn)管理的問題與對(duì)策研究[J];東方企業(yè)文化;2013年08期

2 魏鵬;;后危機(jī)時(shí)代中國工商銀行信用卡業(yè)務(wù)的發(fā)展[J];金融管理與研究;2010年12期

3 詹雪竹;;新巴賽爾協(xié)議下銀行信用卡業(yè)務(wù)的風(fēng)險(xiǎn)點(diǎn)及風(fēng)險(xiǎn)管理工具[J];遼寧經(jīng)濟(jì);2007年11期

4 梁萬泉;;信用卡擴(kuò)張背景下的風(fēng)險(xiǎn)防范[J];商場(chǎng)現(xiàn)代化;2009年09期

5 王莉;;信用卡欺詐風(fēng)險(xiǎn)的類別[J];中國外資;2011年02期

6 陳雷;國際信用卡欺詐與預(yù)防[J];中國信用卡;2004年06期

7 陳世知;;美國信用卡產(chǎn)業(yè)中的反欺詐管理[J];中國信用卡;2008年08期

8 徐悅;管國強(qiáng);;我國商業(yè)銀行信用卡風(fēng)險(xiǎn)成因及其風(fēng)險(xiǎn)管理措施分析[J];中國物價(jià);2013年04期

9 王娜;;基于相似系數(shù)和的信用卡欺詐檢測(cè)模型研究[J];網(wǎng)友世界;2013年10期

10 郭光;;加快創(chuàng)新步伐 迎接信用卡發(fā)展的春天[J];中國信用卡;2012年01期

，

本文編號(hào)：2067134