题目:商业银行信用卡业务风险管理研究摘要2000年以后，随着我国经济的快速发展，信用卡业务在我国迅速开展起来，并呈逐年的增加的趋势。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%。由于信用卡业务能为其带来良好的收入，因此各大金融机构都开展此项业务，并不断的把它作为重点业务在银行内部；由于该业务的过度办理，在风险的防范上没有一套很好的预防机制，在为其带来利益的同时，却伴随着较大的风险，因此对于银行业来说这种发展是不好的现象，必须把风险重视起来，建立起一套行业的风险防范体系至关重要。这篇文章主要对信用卡业务在我国银行中发展的情况及相关的问题等做了研究分析；文章从四个部分做了介绍，分别是：一、主要对该业务开展的好处及产生的影响做了说明；二、在信用卡业务开展中，我国商业银行所面临的风险等问题进行了介绍；三、从不同的角度介绍了商业银行在开展业务时所面临的主要问题，并对存在的问题进行分析提出了两个方面的影响分别为外部影响和内部影响；最后通过以上所面临的问题提出了解决的方法，分别从管理思想、法律、人才和风险管控方面做了介绍。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.............................................................11.1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...............................................12.1.1信用风险.....................................................12.1.2欺诈风险.....................................................12.1.3操作风险.....................................................12.1.4流动...
