商业银行信用卡风险管理研究.doc

摘要
改革开放以来,中不断增强,对外交流也日渐加剧。随着金融自由化、金融衍生工具的不断发展,近年来我国商业银行信用卡市场发展速度非常迅猛,从2003年我国信用卡业务起步至今,每年的发卡量均增长80%以上。信用卡作为一种现代化、大众化的金融产品,其迅速发展一方面越来越受到市场和客户的普遍欢迎,另一方面,由于受多种因素的影响,商业银行在信用卡业务发张过程中,面临的未知风险也越来越大。目前,我国商业银行内部对于信用卡风险管理的理念和技术相对落后,而信用卡风险管理的外部环境也不健全。因此,商业银行信用卡风险管理应站在整体高度,系统了解信用卡风险特征、风险业务现状与形成原因,全面树立风险管理理念,坚持内部严格管理与构建完善的外部环境相结合,来提高我,促进信用卡业务健康发展,带动金融行业稳步前进。
关键词:信用卡;信用卡风险;信用卡风险管理

ABSTRACT
Since the reform and opening up, China's rapid economic development, the resident's consumption level unceasingly strengthens, foreign exchange increasingly intensified. With the financial liberalization, the continuous development of financial derivatives in recent years, our mercial bank credit card market development speed very fast, from our 2003 credit card business started a year since more than 80% of the country are growing. Credit card as a modern, popular financial product, its rapid development on one hand has been more and more popular in market and customers, on the other hand, affected by many kinds of factors, commercial Banks in credit card business, send a process of unknown risk facing more and more is also big. At present, China'mercial Banks internal to credit card risk management concepts and technology is relatively backward, and the external environment of credit risk management is not perfect. So, commercial bank credit risk management should stand in the overall height, credit card risk characteristics and systematic understanding reasons, adhere to the internal strict management and the external environment of constructing bination, to improve our credit risk management level, and promote the healthy development of credit card business, financial industry driven steady progress.
Key words:Credit card; Credit risk; Credit risk management
目录
摘要 Ⅰ
ABSTRACT Ⅱ
一、前言 4
(一)研究背景 4
(二)研究内容 5
二、我国商业银行信用卡发展概述 5
(一)信用卡涵义义与业务特点 6
(二)商业银行信用卡风险分类 6
三、商业银行信用卡业务风险现状及其形成原因 7
(一)我国商业银行信用卡业务风险的现状 8
,尚未建立科学的风险管理体系 8