簡析我國商業銀行信用卡業務的風險管理

金融論文編號：JR081  有開題報告,畢業實習報告,任務書，外文翻譯，論文字數:15046,頁數:21

目    錄
摘    要 .................................................................I
Abstract................................................................. II
1  緒    論 ..............................................................1
1.1  研究背景 ............................................................1
1.2  研究目的和意義 ......................................................1
1.2.1  研究目的.......................................................... 1
1.2.2  研究意義 ..........................................................1
1.3  國內外研究現狀 ......................................................2
1.3.1  國外研究現狀...................................................... 2
1.3.2  國內研究現狀...................................................... 2
1.4  研究方法和思路 ......................................................3
1.4.1  研究方法 ..........................................................3
1.4.2  研究思路 ..........................................................3
2  理論基礎.............................................................. 4
2.1  信用卡及信用卡風險概述 ..............................................4
2.1.1  信用卡的定義、特點和功能 ..........................................4
2.1.2  信用卡業務的起源與發展史 ..........................................5
2.1.3  信用卡風險的類型和特征............................................ 5
2.2  相關理論的提出 ......................................................6
2.2.1  信用消費理論...................................................... 6
2.2.2  貨幣進化論........................................................ 7
3  信用卡業務的發展現狀及存在的問題...................................... 8
3.1  信用卡業務的發展現狀................................................ 8
3.1.1  國外信用卡業務的發展現狀 ..........................................8
3.1.2  國內信用卡業務的發展現狀.......................................... 8
3.2  信用卡風險現狀分析 ..................................................9
3.2.1  信用卡市場存在的主要問題 ..........................................9
3.2.2  信用卡市場存在問題的主要原因 ......................................9
4  商業銀行信用卡風險的監管、防范與化解 ..................................11
4.1  政府對信用卡風險的監管 ..............................................11
4.1.1  建立健全完善的社會信用體系........................................ 11
4.1.2  信用卡風險監管有待提高的方面 ......................................11
4.2  信用卡風險的防范與化解 ..............................................12
4.2.1  防范信用卡風險的措施 ..............................................12
4.2.2  化解信用卡風險的措施 ..............................................13
4.3  信用卡風險的管理手段................................................ 13
4.3.1  信用卡風險的回避 ..................................................13
4.3.2  信用卡風險的預防.................................................. 14
4.3.3  信用卡風險的分散.................................................. 14
4.3.4  信用卡風險的補償 ..................................................15
結    論 .................................................................16
參考文獻 .................................................................17
致    謝 .................................................................18
附    錄1................................................................ 19
附    錄2................................................................ 22

摘    要
      信用卡經過幾十年的發展，在西方發達國家已經成為人們日常生活不可或缺的工具，與他們相比，我國的信用卡還處在一個剛剛起步的階段，但是信用卡的出現改變著社會，給人們的生活帶來巨大便利的同時，也有效提高了個人融資的效率，并給發卡機構、商戶以及國家稅收都帶來了不小的收益。但是在信用卡發展的過程中面臨著諸多的挑戰和風險，對于信用卡相關的各個機構和個人都存在著一定程度的風險。作為一個新興的朝陽產業，其發展的推動力主要來自于內部，但是從其對整個社會的影響來看，信用卡風險監管與防范、信用卡行業健康有序地發展并且發揮良好的社會功效還是需要政府推動的。如何有效利用其正面積極的影響推進社會信用體系的建立，如何建立健全相應的法律法規對其進行積極的扶植、如何利用信用卡支付防范非法避稅以及如何加強監管力度防范可能出現的風險都是我國政府相關管理部門需要重視和探討的話題。目前我國政府對于信用卡行業的重視已經提高到了一定的高度，多部信用卡相關的法律法規正在起草完善中，個人信用信息數據庫已經投入使用。但是法律法規的相對滯后、信用體系還不完善都會引起信用卡行業風險的積累，是對政府如何采取有效的措施加強信用卡風險監管的挑戰。直面問題，深入挖掘其原因并采取積極的措施進行改善是政府不可推卸的責任。

關鍵詞：信用卡；風險；監管

Abstract
 After several decades of development，credit cards in the western countries have become indispensable tools for people's daily life. Compared with them, China's credit card industry is at a start-stage, but credit cards are changing the society, bringing great convenience to people's lives, they are also effective in improving the efficiency of individual financing, and bring profit to credit card issuers, merchants and the state. But in the course of development of the credit cards face a host of challenges and risks. For credit card-related organizations and individuals there is a degree of risk. As a new sunrise industry, mainly from the internal driving force for its development. But concern their impact on society, the government needs to play a good role to defend credit card risks and drive the credit card industry develop healthy and orderly. The government should pay attention to such topics as how to make effective use of credit card industry’s positive impact on promoting the establishment of a social credit system, how to establish and perfect relevant laws and regulations for credit transactions, how to guard against illegal use of credit cards for payment and how to strengthen supervision over the risks occurred by credit card transaction. Currently, the government has increased the importance for the credit card industry to a certain height, more than being drafted to improve the laws and regulations related to credit card, personal credit information database has been put into use. But laws and regulations are relatively stagnant. Credit card risks are ambulance continuously. Facing the problem straightly and take positive measures to improve are responsibilities of the government which can not shirk.

Keywords：credit card;risk;regulatory