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

【摘要】：21世紀(jì)以來(lái),我國(guó)商業(yè)銀行的信用卡業(yè)務(wù)進(jìn)入了高速發(fā)展的軌道,截至2015年,我國(guó)信用卡新增發(fā)卡量8000萬(wàn)張,累計(jì)發(fā)卡量達(dá)5.3億張,比上年增長(zhǎng)17.8%,信用卡人均持卡量達(dá)0.39張。信用風(fēng)險(xiǎn)是信用卡業(yè)務(wù)面臨的主要風(fēng)險(xiǎn),隨著信用卡業(yè)務(wù)的快速增長(zhǎng),逾期違約、非法套現(xiàn)、惡意透支等信用卡信用風(fēng)險(xiǎn)事件不斷發(fā)生,我國(guó)商業(yè)銀行開(kāi)始意識(shí)到信用卡信用風(fēng)險(xiǎn)管理的重要性,并且不斷的加強(qiáng)信用卡信用風(fēng)險(xiǎn)管理。然而,我國(guó)商業(yè)銀行信用卡業(yè)務(wù)發(fā)展的時(shí)間較短,風(fēng)險(xiǎn)控制的水平還處于較低階段,缺乏完善的管理機(jī)制。因此,開(kāi)展信用卡業(yè)務(wù)信用風(fēng)險(xiǎn)管理研究對(duì)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(fēng)險(xiǎn)管理的相關(guān)理論,對(duì)信用卡信用風(fēng)險(xiǎn)管理理論進(jìn)行詳細(xì)闡述及評(píng)述,接著以A銀行B分行為具體研究對(duì)象,對(duì)該行信用卡發(fā)展現(xiàn)狀和風(fēng)險(xiǎn)現(xiàn)狀進(jìn)行了分析,并對(duì)該行信用卡業(yè)務(wù)風(fēng)險(xiǎn)管理現(xiàn)狀及其存在的問(wèn)題進(jìn)行了分析總結(jié),通過(guò)建立Logistic回歸方程,結(jié)合A銀行B分行2015年的實(shí)際經(jīng)營(yíng)業(yè)務(wù)數(shù)據(jù),選取了性別、年齡、受教育程度、婚姻、年收入等9個(gè)變量對(duì)信用卡業(yè)務(wù)的信用風(fēng)險(xiǎn)進(jìn)行了實(shí)證研究,最后通過(guò)借鑒國(guó)外信用卡信用風(fēng)險(xiǎn)管理的成功經(jīng)驗(yàn)并結(jié)合Logistic回歸模型的實(shí)證分析結(jié)論,針對(duì)A銀行B分行的相應(yīng)問(wèn)題,提出了樹(shù)立正確的風(fēng)險(xiǎn)管理觀念,強(qiáng)化風(fēng)險(xiǎn)管理意識(shí)、優(yōu)化信用卡貸前審核流程、加強(qiáng)信用卡貸中動(dòng)態(tài)追蹤機(jī)制建設(shè)、完善信用卡貸后催收機(jī)制、轉(zhuǎn)變營(yíng)銷(xiāo)策略,深度挖掘優(yōu)質(zhì)客戶(hù)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(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.2

【參考文獻(xiàn)】

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本文編號(hào)：1756943