本文選題：信用卡 + 信用風(fēng)險�。� 參考：《中南大學(xué)》2013年碩士論文

【摘要】：摘要：近年來,信用卡業(yè)務(wù)已經(jīng)成為了銀行新興利潤增長點。在信用卡方面,我國還處于起步階段,中國信用卡產(chǎn)業(yè)發(fā)展越來越快且前景無限。在信用卡風(fēng)險管理中,我國商業(yè)銀行還存在著很多的不足,包括信用風(fēng)險信息技術(shù)落后、管理體系不健全等問題。我國銀行必須適應(yīng)全新的金融環(huán)境,在信用卡風(fēng)險管理上尋找新方法。因此,信用卡業(yè)務(wù)的風(fēng)險管理成為了國內(nèi)關(guān)注的焦點問題,研究中信銀行信用卡風(fēng)險管理具有一定的實踐意義。 本文從信用卡風(fēng)險的理論入手,結(jié)合中信銀行信用卡運行實際,分析了中信銀行在信用卡風(fēng)險管理中的現(xiàn)狀及生命周期,認為中信銀行在信用卡方面存在的風(fēng)險主要表現(xiàn)在營銷、征信、信息科技、運營等方面,接著,主要從信用風(fēng)險、欺詐風(fēng)險、操作風(fēng)險等方面分析了中信銀行信用卡相關(guān)風(fēng)險的原因,進一步剖析中信銀行信用卡內(nèi)部存在的缺陷,在此基礎(chǔ)上,進行定量分析,更詳細地分析其中存在的問題。最后,在定性和定量分析的前提下,在信用卡信用、征信、欺詐風(fēng)險、信息科技等風(fēng)險方面,提出相應(yīng)的信用卡風(fēng)險防控措施,并建立風(fēng)險管理體系,以降低中信銀行信用卡風(fēng)險,保障其風(fēng)險管理的有效性。
[Abstract]:Absrtact: in recent years, credit card business has become a new profit growth point of banks. In the credit card, China is still in the initial stage, the credit card industry in China is developing more and more rapidly and has unlimited prospects. In credit card risk management, Chinese commercial banks still have a lot of shortcomings, including credit risk information technology backward, management system is not perfect and so on. Chinese banks must adapt to the new financial environment and look for new methods in credit card risk management. Therefore, the risk management of credit card business has become the focus of domestic concern, the study of credit card risk management of CITIC Bank has certain practical significance. This paper starts with the theory of credit card risk and analyzes the current situation and life cycle of credit card risk management in CITIC Bank. It is believed that the risks in credit card of CITIC Bank are mainly manifested in the aspects of marketing, credit information, information technology, operation and so on. Then, mainly from the credit risk and fraud risk, This paper analyzes the causes of credit card related risks in CITIC Bank, and further analyzes the defects in credit card of CITIC Bank. On the basis of this, quantitative analysis is carried out, and the existing problems are analyzed in more detail. Finally, on the premise of qualitative and quantitative analysis, in the credit card credit, fraud risk, information technology and other risks, put forward the corresponding credit card risk prevention and control measures, and establish a risk management system. In order to reduce the credit card risk of CITIC Bank, ensure the effectiveness of risk management.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.2

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