互联网时代下信用卡业务的信用风险管理探究
关键词：信用卡；信用风险；信用风险管理
Abstract
Under the age of the Internet, the rapid development of credit card business. This paper describes the virtual nature of the Internet, network information real to the enemy, complex trading environment and other issues, however, the development of credit risk management and the Internet does not match, so the credit card business is facing greater credit risk increase, industry continues to hamper credit card , healthy and stable development. In summing up the characteristics of the new credit card business in the Internet era of development on the basis of this paper analyzes the negative impact on the development of the Internet to bring the credit card business, mainly for credit risk increased, thereby causing an increase in bad loans of commercial banks, cardholders suffer property losses and develop a good policy environment and credit environment blocked, grasp the characteristics of the Internet age, multi-angle analysis of the reasons the credit risk faced by the credit card business generated accordingly proposed management measures at this stage of the credit card business is facing credit risk.
Key Words：credit card；Credit risk；Credit risk management
目 录
摘 要 I
Abstract II
一、导论 1
（一）相关概念 1
（二）国外信用卡业务信用风险管理 2
二、我国信用卡业务的发展现状 3
（一）互联网时代下信用卡业务的发展状况 3
（二）信用卡业务存在的信用风险 5
（三）互联网时代下信用卡业务信用风险的危害性 6
三、互联网时代下信用卡业务信用风险的成因 9
（一）用卡环境复杂 9
（二）风险管理机制尚未有效建立 9
（三）国内征信体系与相关法律制度仍不健全 11
四、互联网时代下信用卡业务的信用风险管理对策 11
（一）从商业银行的角度 11
（二）从持卡人的角度 13
（三）从政府的角度 14
五、结论 15
参考文献 16
致 谢 18
互联网时代下信用卡业务的信用风险管理探究
——以广发信用卡中心为例
一、导论
（一）相关概念
1．信用卡的概念
国外研究学者认为信用卡（credit card）是一种电子支付工具，具有透支、取现和消费功能，可用于支付劳务费用、支持日常消费行为等。我国信用卡主要分为贷记卡和准贷记卡两类，贷记卡一般指持卡人可在发卡银行授予的一定信用额度内进行先消费，而后再还款的信用卡。准贷记卡是我国较为特殊的信用卡产品，兼具借记卡和贷记卡的某些功能，是指持卡人先按要求在发卡行交存一定金额的备用金，当持卡人交存的备用金余额不足以用于支付时，根据发卡银行授予的信用额度进行透支使用的信用卡。