本文關鍵詞：我國商業(yè)銀行信用卡風險識別與控制研究　出處：《吉林財經(jīng)大學》2016年碩士論文　論文類型：學位論文

  更多相關文章： 信用卡風險 風險識別 風險控制

【摘要】：信用卡作為企業(yè)與居民短期貸款的重要金融工具已經(jīng)普及國內外。近些年來我國商業(yè)銀行信用卡從發(fā)行量到有效持有量均逐年高速遞增,目前信用卡的發(fā)行已成為商業(yè)銀行利潤的重要增長點,與國外信用卡業(yè)務發(fā)展現(xiàn)狀相比,我國信用卡發(fā)行的現(xiàn)狀十分典型,通過個人研究及實踐經(jīng)驗總結出以下幾點:第一,各商業(yè)銀行為了搶占客戶資源大量發(fā)行信用卡,信用卡發(fā)行量逐年增高,信用卡的營業(yè)收入和違約率也隨之遞增,人均信用卡持有量不斷增加;第二,我國信用卡相關制度不完善,主要體現(xiàn)在審核時的個人征信審核內容不夠全面、個人信息管理和客戶信息維護不及時、信用卡額度審批流程不夠嚴謹導致的信用風險;第三,信用卡風險監(jiān)控流程存在漏洞,導致大量境內外用卡風險沒有及時識別為而產生操作風險;第四,由于我國客戶的消費觀與國外不同,我國大部分信用卡使用是被動的,致使我國信用卡業(yè)務為商業(yè)銀行帶來高額利潤存在障礙。另外國有銀行在國外的分支機構并不多,而且境外我國商業(yè)銀行能辦理信用卡的相關業(yè)務少之又少,所以境外持有我國商業(yè)銀行信用卡存在更高風險。而信用卡風險的風險根源主要體現(xiàn)在風險管理技術的落后、信用評估制度不夠完善、發(fā)卡機構管理制度不完善、信用卡營銷人員管理問題和相關法律法規(guī)不完善。目前信用卡已成為生活中消費支付的重要方式,同時信用卡的錯誤使用、制卡技術問題和商業(yè)銀行信用卡管理等問題導致信用卡在發(fā)行和使用過程中產生風險,所以,我國信用卡在發(fā)行和管理方面需要借助國外的先進理論和風險識別模型進行信用卡的風險分析并加以應用,以保障我國信用卡業(yè)務的良好發(fā)展,以適應國家的經(jīng)濟政策和經(jīng)濟發(fā)展。本文通過對當前信用卡現(xiàn)狀的分析,對國內外文獻分析,參照國內外知名學者所提出的理論、當代信用風險識別和操作風險識別的模型來分析我國商業(yè)銀行信用卡風險的特點和風險根源。并根據(jù)工商銀行信用卡的業(yè)務操作流程,分析當前信用卡發(fā)行、業(yè)務操作和客戶維護的問題。文章通過選取《新巴賽爾協(xié)議》中信用風險識別的內部評價法的和操作風險識別的基本指標法,結合某商業(yè)銀行信用卡相關數(shù)據(jù)和工商銀行的2012年到2014年年報數(shù)據(jù)計算分析銀行的資本配置。并對工商銀行內部控制的風險識別方案加以分析和應用。文章第五章例舉兩個商業(yè)銀行風險案例。其中,案例一為主要因風險監(jiān)控流程和風險評分及識別模型選取的問題導致的批量信用卡盜刷案件,為典型信用卡操作風險案例。案例二為信用卡產品設計和信用卡相關制度的問題導致信用卡循環(huán)貸款違約,為典型信用卡信用風險案例。通過對兩個典型案例的發(fā)生過程和數(shù)據(jù)計算進行分析,總結案例中存在的風險點并針對案例提出風險控制的建議。同時文章對商業(yè)銀行進行信用卡發(fā)行優(yōu)化、風險識別和風險控制起到重要作用。在第六章中結合當前信用卡的發(fā)展特點、風險表現(xiàn)和風險根源,結合案例中的風險點,針對性地提出信用卡風險控制的相關意見。風險控制建議的提出為商業(yè)銀行信用卡業(yè)務的全面管理和適應國家宏觀經(jīng)濟調控和經(jīng)濟發(fā)展均有現(xiàn)實意義。本文通過提取信用卡最新研究數(shù)據(jù)總結信用卡發(fā)行現(xiàn)狀和發(fā)行特點,通過實地調查和信用卡業(yè)務操作流程分析信用卡風險的根源。通過閱讀文獻總結國外信用卡發(fā)行經(jīng)驗,對信用卡風險識別的方法進行系統(tǒng)的總結并選取風險識別模型舉例并應用于信用卡風險管理。為商業(yè)銀行在信用卡審批、發(fā)行、風險監(jiān)控及客戶維護等方面提供可靠的理論依據(jù),對今后有效規(guī)避及控制信用卡風險研究起到重要作用。
[Abstract]:Credit card as an important financial tool for enterprises and residents of short-term loans have been popular at home and abroad. In recent years, China's commercial banks credit card holdings from circulation to the rapid increase year by year, an important growth point of current credit card issuance has become the profit of commercial banks, compared with foreign credit card business development status, current situation of our country credit card issuers are typical, through individual research and practice experience summed up the following points: first, the commercial banks in order to seize a large number of clients to issue credit cards, credit card issuance volume increased year by year, the credit card business income and the default rate is increased, the per capita credit card holdings increased; second, China the credit card system is not perfect, mainly reflected in the content of personal credit audit audit is not comprehensive, personal information management and customer information maintenance is not timely, the amount of credit card The approval process is not precise enough to lead to credit risk; third, credit card risk monitoring process loopholes, resulting in a large number of domestic use the card without the risk of timely identification for arising from operational risk; fourth, due to our customer consumption concept is different from overseas, most of our country's credit card use is passive, resulting in China's credit card business high profits for commercial banks exist obstacles. Another state-owned bank branches abroad are not many, and foreign commercial banks in China can handle the relevant business credit card is less and less, so I hold the overseas commercial bank credit card has higher risk. The risk source of credit risk is mainly reflected in the risk management of technology the backward, credit evaluation system is not perfect, the card issuer management system is not perfect, the management of credit card marketing personnel and related laws and regulations are not perfect the credit. The card has become an important way of life of the consumer to pay at the same time, the use of credit card mistakes, business card printing technology and commercial bank credit card management and other issues resulting in the issue of risk, and use of credit cards so the risk analysis of China's credit card issuing and management aspects of the advanced theory and risk identification model need help foreign credit card and using it to ensure the healthy development of China's credit card business, in order to adapt to the country's economic policy and economic development. Based on the analysis of the current situation of the credit card, the analysis of literature at home and abroad, according to the domestic and foreign scholars proposed the theory of contemporary credit risk and operational risk the recognition model to analyze the characteristics and origin of the risk of China's commercial bank credit risk. And according to the operation process of commercial bank credit card, the analysis of the current credit card issuers, Operations and customer maintenance. This paper selects the New Basel Agreement > < in basic indicators of internal evaluation of risk identification method and operational risk identification, combined with a commercial bank credit card and data related to the industrial and Commercial Bank of China from 2012 to 2014 annual data analysis of bank capital allocation. And analysis and application of the risk identification scheme of industrial and commercial bank internal control. The fifth chapter lists two commercial bank risk cases. Among them, one case is mainly due to causes the selected risk monitoring process and risk score and recognition model of the problem batch of fraudulent credit card cases, credit card is a typical case of operational risk cases. The credit card and credit product design card related system led to the problem of credit card revolving loan default, as a typical credit card credit risk cases. Through the process of two typical cases The calculation and data analysis, summarize the existing case in point of risk and put forward the proposal of the risk control for the case. At the same time the credit card issuers to optimize commercial banks, risk identification and risk control plays an important role. In the sixth chapter, combined with the development characteristics of credit card risk at present, performance and risk source, combined with the case the risk, put forward relevant suggestions to control credit risk. Risk control suggestions for comprehensive management of commercial bank credit card business and adapt to the national macroeconomic control and economic development have practical significance. This paper summarizes the latest research data of credit card issuers issued by extracting the status and characteristics of credit card, through field the investigation and analysis of origin of credit card business operation process of credit card risk. By reading the summary of foreign credit card issuance, the credit card risk. Other methods were summarized and selected and applied to the risk identification model for credit risk management. The issue for commercial banks in the credit card approval, and provide a reliable theoretical basis for risk control and customer maintenance etc., in the future to avoid and control the risk of credit card has played an important role.

【學位授予單位】：吉林財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F832.2

【相似文獻】

相關期刊論文 前10條

1 顧韻秋;網(wǎng)絡時代的信用卡風險防范[J];現(xiàn)代金融;2000年04期

2 黃亞非;香港信用卡風險管理[J];金融會計;2001年03期

3 楊長明;國外信用卡的故事[J];中國信用卡;2001年01期

4 孫志欣,宋穎;對信用卡業(yè)務發(fā)展的建議[J];中國信用卡;2001年03期

5 季景新;信用卡審批管理系統(tǒng)的設計[J];中國信用卡;2001年07期

6 張久慧,張永剛;信用卡的功能及風險防范[J];遼寧稅務高等�？茖W校學報;2002年04期

7 廖詠雪;;“信用時代”向我們走來——透視“免擔保信用卡”[J];重慶與世界;2002年04期

8 苗繪;李海申;;信用卡風險的成因及防范[J];商場現(xiàn)代化;2006年35期

9 韓彥峰;申琦;;信用卡風險分析及防范[J];商場現(xiàn)代化;2007年03期

10 羅建雄;;信用卡糾紛案件緣何上升[J];中國信用卡;2007年08期

相關會議論文 前2條

1 洪艷蓉;;信用卡危機的法律治理與啟示——以美國《2009年信用卡問責及披露法》為例[A];金融法學家（第一輯）[C];2009年

2 郭靂;;信用卡非法套現(xiàn)的整體性規(guī)制[A];金融法學家（第三輯）[C];2011年

相關重要報紙文章 前10條

1 見驚雷;信用卡泛濫背后暗藏危機[N];海峽財經(jīng)導報;2008年

2 本報記者 盧先兵;信用卡貸款非典型回暖[N];21世紀經(jīng)濟報道;2011年

3 記者 劉冉冉;老人辦信用卡基本無門[N];廣州日報;2012年

4 謝歡;信用卡風險防范與管理[N];中國郵政報;2013年

5 主持 本報記者 柳燈　王冠;股份行信用卡資產證券化沖動[N];21世紀經(jīng)濟報道;2013年

6 吳心怡;動態(tài)防控信用卡風險[N];中國城鄉(xiāng)金融報;2014年

7 ;信用卡：透支信用？透支風險？[N];中國民航報;2005年

8 劉鋒;為全行發(fā)行信用卡積累經(jīng)驗[N];中國城鄉(xiāng)金融報;2004年

9 顧海萍;謹防信用卡使用風險[N];解放日報;2004年

10 肖林江;信用卡業(yè)務風險及防范[N];金融時報;2004年

相關博士學位論文 前3條

1 王敬禮;論信用卡服務經(jīng)營者的附隨義務[D];吉林大學;2015年

2 李大偉;個人信用評分與信用卡風險控制研究[D];吉林大學;2006年

3 高埃仁;中國文化視角下的信用研究[D];廈門大學;2005年

相關碩士學位論文 前10條

1 高晶晶;我國商業(yè)銀行信用卡風險政府監(jiān)管研究[D];華北電力大學;2015年

2 彭實鳳;基于CHAID決策樹的信用卡風險管理系統(tǒng)設計[D];復旦大學;2013年

3 岳琳;QDZS銀行信用卡營銷策略研究[D];山東理工大學;2015年

4 周璇;中國農業(yè)銀行株洲市分行信用卡風險管理問題研究[D];湘潭大學;2015年

5 卜繁華;中行吉林省分行信用卡不良業(yè)務風險管理研究[D];吉林大學;2015年

6 閆進飛;工商銀行內蒙古分行信用卡風險控制研究[D];內蒙古財經(jīng)大學;2015年

7 陳敏敏;農業(yè)銀行信用卡汽車分期業(yè)務風險控制研究[D];蘇州大學;2015年

8 謝黎;中國民生銀行信用卡風險管理的研究[D];吉林大學;2016年

9 馮楚俊;基于數(shù)據(jù)挖掘的信用卡風險管理研究[D];江西財經(jīng)大學;2016年

10 俞浩明;信用卡風險管理中的政府監(jiān)管研究[D];西北農林科技大學;2016年

，

本文編號：1374404