本文選題：商業(yè)銀行 + 信用卡業(yè)務�。� 參考：《廣西大學》2017年碩士論文

【摘要】：21世紀以來,我國商業(yè)銀行的信用卡業(yè)務進入了高速發(fā)展的軌道,截至2015年,我國信用卡新增發(fā)卡量8000萬張,累計發(fā)卡量達5.3億張,比上年增長17.8%,信用卡人均持卡量達0.39張。信用風險是信用卡業(yè)務面臨的主要風險,隨著信用卡業(yè)務的快速增長,逾期違約、非法套現(xiàn)、惡意透支等信用卡信用風險事件不斷發(fā)生,我國商業(yè)銀行開始意識到信用卡信用風險管理的重要性,并且不斷的加強信用卡信用風險管理。然而,我國商業(yè)銀行信用卡業(yè)務發(fā)展的時間較短,風險控制的水平還處于較低階段,缺乏完善的管理機制。因此,開展信用卡業(yè)務信用風險管理研究對于保持信用卡行業(yè)持續(xù)、穩(wěn)定的發(fā)展具有重大的意義。本文首先著重分析信用卡信用風險管理的相關理論,對信用卡信用風險管理理論進行詳細闡述及評述,接著以A銀行B分行為具體研究對象,對該行信用卡發(fā)展現(xiàn)狀和風險現(xiàn)狀進行了分析,并對該行信用卡業(yè)務風險管理現(xiàn)狀及其存在的問題進行了分析總結,通過建立Logistic回歸方程,結合A銀行B分行2015年的實際經(jīng)營業(yè)務數(shù)據(jù),選取了性別、年齡、受教育程度、婚姻、年收入等9個變量對信用卡業(yè)務的信用風險進行了實證研究,最后通過借鑒國外信用卡信用風險管理的成功經(jīng)驗并結合Logistic回歸模型的實證分析結論,針對A銀行B分行的相應問題,提出了樹立正確的風險管理觀念,強化風險管理意識、優(yōu)化信用卡貸前審核流程、加強信用卡貸中動態(tài)追蹤機制建設、完善信用卡貸后催收機制、轉變營銷策略,深度挖掘優(yōu)質客戶等具體建議。
[Abstract]:Since the 21st century, the credit card business of the commercial bank of our country has entered the high speed development track. Up to 2015, the new credit card issued quantity of our country is 80 million, the accumulative amount of issuing the card reaches 530 million, increase 17.8% over the previous year, the credit card per capita holds the quantity to reach 0.39.Credit risk is the main risk faced by credit card business. With the rapid growth of credit card business, overdue default, illegal cash, malicious overdraft and other credit card credit risk events continue to occur.China's commercial banks begin to realize the importance of credit card credit risk management, and continue to strengthen credit card credit risk management.However, the development of credit card business in Chinese commercial banks is relatively short, the level of risk control is still in a low stage, and there is a lack of perfect management mechanism.Therefore, the research on credit risk management of credit card business is of great significance to keep the development of credit card industry sustainable and stable.In this paper, the related theories of credit card credit risk management are analyzed, and the credit risk management theory of credit card is expounded and commented in detail. Then, A Bank B Branch is taken as the specific research object.This paper analyzes the present situation of credit card development and risk, and summarizes the present situation and problems of credit card business risk management, and establishes the Logistic regression equation.Based on the actual business data of A Bank B Branch in 2015, this paper selects 9 variables, such as gender, age, education level, marriage, annual income and so on, to make an empirical study on credit risk of credit card business.Finally, based on the successful experience of foreign credit card credit risk management and the empirical analysis conclusion of Logistic regression model, aiming at the corresponding problems of Bank A B Branch, this paper puts forward to establish a correct risk management concept and strengthen risk management consciousness.Optimize the credit card pre-loan audit process, strengthen the dynamic tracking mechanism in credit card loan construction, improve the credit card post-loan collection mechanism, change marketing strategy, depth mining high-quality customers and other specific suggestions.
【學位授予單位】：廣西大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2

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本文編號：1756943