我国信用卡业务风险问题研究摘 要伴随着经济发展，我国信用卡业务进入了高速发展阶段，信用卡业务在其高速发展的同时，信用卡业务风险也在不断提升，风险控制能力与业务发展速度不匹配是当前商业银行面临的重要问题，如何提升信用卡业务风险防控能力成了各家银行的重要研究课题。文章介绍了信用卡业务相关理论，以及信用卡业务风险成因、信用卡业务风险控制策略，通过研究商业银行的信用卡业务流程，发现商业银行在贷前、贷中、贷后等流程中存在的问题，在控制策略上的不足之处，并根据存在的问题提出了完善法律法规建设、加强内部建设等对策。关键词：商业银行；信用卡；风险控制策略；防范对策Research on the risk of credit card business in ChinaAbstractAlong with economic development, China's credit card business has entered a stage of rapid development. At the same time as its rapid development, credit card business risks are constantly increasing. Mismatch between risk control capabilities and business development speed is an important issue currently facing commercial banks. Improving credit card business risk prevention and control capabilities has become an important research topic for various banks. The article introduces the relevant theories of credit card business, as well as the causes of credit card business risk and the risk control strategy of credit card business. By studying the credit card business process of commercial banks, it is found that commercial banks have problems in the pre-loan, in-loan, and post-loan processes. Strategic shortcomings, and put forward countermeasures to improve the construction of laws and regulations and strengthen internal construction according to existing problems.Key words: Commercial Bank; credit card; risk control strategy; preventive measures目 录摘 要.................................................................................................3Abstract..............................................
