商业银行信用卡风险与防范对策研究摘要：自第一张信用卡诞生以来，信用卡在全世界已经获得了巨大的发展，国外先进银行的信用卡部门已成为银行重要的盈利部门，信用卡业务带来的收入成为银行中间业务收入的重要组成部分。我国信用卡市场也随着我国经济的发展而快速发展，各商业银行也努力在信用卡市场抢占先机。但我国商业银行在信用卡风险管理方面有很多不足之处，导致我国信用卡市场上存在着恶性竞争。本文针对信用卡业务的特殊性和风险管理中风险的分类，给出我国信用卡市场现状，提出个人信用体系的建立、完善社会诚信体系、运用法律手段以及加强内部控制的方法，从而能促进信用卡市场的健康发展。32695
毕业论文关键词：信用卡风险 风险管理 内部控制
Risks and Countermeasures of Commercial Bank Credit Card
Abstract: Since the birth of the first credit card, credit card has already got a huge development in the world, the credit card department of foreign advanced bank has become the major profit sector, the profit of credit card business has become an important component of bank middle business profit. Credit card market in China along with the development of our economy has fast development, the commercial Banks try to go a head in credit card market. But the credit card risk management in commercial Banks have many deficiencies, cause there are vicious competition in the credit card market in our country. Aiming at the particularity of the credit card business and the classification of the risk management of the risk, in combination with China's credit card market present situation, proposed the establishment of personal credit system, perfect social credit system, using legal means, and strengthen internal control method, which can promote the healthy development of the credit card market.
Key Words：credit card risk, risk management, internal control
目 录
一、绪论 - 1 -
（一）研究背景 - 1 -
（二）研究意义 - 2 -
1.促进良好用卡环境的建设 - 2 -
2.促进商业银行健康发展 - 2 -
3.促进金融业规范化建设 - 2 -
二、文献综述 - 3 -
（一）国外商业银行信用卡风险管理相关研究 - 3 -
（二）我国商业银行信用卡风险管理相关研究 - 3 -
三、信用卡及信用卡风险概述 - 4 -
（一）信用卡业务 - 4 -
1.信用卡的产生和发展 - 4 -
2.信用卡的定义 - 4 -
3.信用卡的特点和功能 - 5 -
（二）信用卡风险的定义及表现形式 - 7 -
（三）信用卡风险的成因分析 - 8 -
（四）商业银行信用卡风险分类 - 9 -
四、我国商业银行信用卡风险管理的现状及问题分析 - 10 -
（一）信用卡在我国的发展 - 10 -
（二）我国信用卡管理现状 - 12 -
（三）我国信用卡风险管理存在问题成因分析 - 12 -
五、我国商业银行信用卡风险管理的对策 - 14 -
（一）建立个人信用征信体系 - 14 -
1.建立个人信用征信体系的必要性 - 14 -
2..我国个人征信体系的建立 - 14 -
（二）健全社会诚信体系 - 15 -
1.完善社会信用体系建设 - 15 -
2.建立诚信奖惩制度 - 15 -
3.加快诚信法治建设 - 15 - 商业银行信用卡风险与防范对策研究:http://www.youerw.com/jingji/lunwen_29424.html