2017届毕业生毕业论文题目:商业银行信用卡业务风险管理研究院系名称：国际教育学院专业班级：金融学2班学生姓名：张冰青学号：201320020819指导教师:张晓娟教师职称：讲师2017年5月26日摘要进入21世纪后，我国商业银行的信用卡业务快速发展，去年信用卡业务依旧保持较高增长量。数据显示，仅国有五大行与股份制银行去年新增发卡量就有1.03亿张，全国人均持有信用卡0.31张，同比增长6.27%。信用卡业务给银行带来了巨大的利润，这使得各个商业银行纷纷将信用卡业务作为其战略转型的关键点，重视信用卡业务的发展。但是如果没有良好的风险管理体系，信用卡业务虽可以短暂为银行贡献利润，但却难以获得可持续发展，严重时还可能对金融运行体系造成破坏性影响。因此，优化商业银行信用卡业务的风险管理成为了现阶段需要关注的焦点问题。本文的具体内容可分为四部分，第一部分主要说明了研究的背景和意义。第二部分详细介绍了我国商业银行信用卡的风险类型以及风险管理的原则、目标和流程。第三部分从商业银行内部和外部两个角度分析了商业银行信用卡风险管理的现状，接下来阐述了信用卡业务风险管理面临的问题，主要包括银行内部微观问题和外部宏观问题两个方面。第四部分提出了商业银行应树立正确的风险管理理念、建立完善的风险管理组织体系和风险检测机制、重视知识和人才。并且应该健全相关的法律法规体系，建设和完善个人征信体系。关键词：商业银行信用卡业务风险管理信用卡犯罪TitleCommercialBankCreditCardBusinessRiskManagementResearchAbstractAfterenteringthe21stcentury,therapiddevelopmentoftheourcountrycommercialbankcreditcardbusiness,creditcardbusinessstillmaintaininghighgrowthlastyear.Figuresshowthatonlyfivebigstate-ownedbankandjoint-stockbanknewhairpinquantityis103millionmlastyear,thenationalpercapitahold0.31creditCARDS,up6.27%fromayearearlier.Broughthugeprofitstothebankcreditcardbusiness,whichmakesthecommercialBankscreditcardbusinessasthekeypointofitsstrategictransformation,attachesgreatimportancetothedevelopmentofcreditcardbusiness.Butifyoudon'thavegoodriskmanagementsystem,creditcardbusinesscancontributetotheBanksshortprofits,butitisdifficulttoobtainsustainabledevelopment,seriouswhenstillcanhaveadevastatingeffectonthefinancialoperationsystem.Therefore,theoptimizationofcommercialbankcreditcardbusinessriskmanagementbecomethefocusoftheneedtopayattentiontoatpresentstage.Thespecificcontentofthispapercanbedividedintofourparts,thefirstpartmainlyillustratestheresearchbackgroundandsignificance.Thesecondpartintroducedtheourcountrycommercialbankcreditcardtypesofriskandriskmanagementprinciples,objectivesandprocesses.ThethirdpartfromthecommercialBanksinternalandexternaltwoaspectsanalyzesthepresentsituationofcommercialbankcreditriskmanagement,thenelaboratedthecreditcardbusinessriskmanagementproblems,mainlyincludinginternalmicroscopicandexternalmacroissuestwoaspects.ThefourthpartputsforwardthecommercialBanksshouldsetupthecorrectconceptofriskmanagement,establishperfectriskmanagementsystemandriskdetectionmechanism,attachimportancetoknowledgeandtalent.Andshouldimprovetherelevantlawsandregulationssystem,theconstructionandperfectpersonalcreditsystem.KeywordsCommercialBankCreditCardBusinessRiskManagementOfCreditCardCrime目次1引言.............................................................1研究背景..........................................................11.2研究意义.......................................................12信用卡风险管理概述...............................................12.1信用卡风险的类型...............................................1信用风险..................................
