金融工程专业 建设银行信用卡业务风险分析与防范对策分析研究VIP专享VIP免费

建设银行信用卡业务风险分析与防范对策摘要我国信用卡产业已由规模高速发展期进入以效益和质量为核心的精细化发展期，且作为消费信贷的重要业务领域也迎来了新的战略机遇期。但同时，信用卡风险也时有发生严重影响了我国信用卡产业的平稳健康发展。本文以中国建设银行为例，通过对我国信用卡业务发展现状及面临的主要风险类型的分析，阐述了欺诈类风险、信用类风险以及操作类风险三种主要的风险类型及其风险成因，分析了建设银行信用卡业务现状，并从发卡审核、额度透支、偿还等环节上梳理提出了相应的防控对策措施，希望能通过提高建设银行的信用卡业务风险经营管理能力，从整体上提高我国信用卡产业的价值创造力和竞争力。关键词：信用卡业务；风险分析；对策RiskAnalysisandPreventiveCountermeasuresofChinaConstructionBank'sCreditCardBusinessAbstractMycountry'screditcardindustryhasenteredaperiodofrefineddevelopmentcenteredonefficiencyandqualityfromaperiodofrapidscaledevelopment,andasanimportantbusinessareaofconsumercredit,ithasalsousheredinanewperiodofstrategicopportunities.Butatthesametime,theriskofcreditcardalsooccursfromtimetotime,whichseriouslyaffectsthestableandhealthydevelopmentofmycountry'screditcardindustry.TakingChinaConstructionBankasanexample,throughtheanalysisofthedevelopmentstatusofmycountry'screditcardbusinessandthemaintypesofrisksitfaces,thispaperexpoundsthreemaintypesofrisks:fraudrisk,creditriskandoperationalrisk,andanalyzesthecreditcardbusinessofChinaConstructionBank.Thecurrentsituation,andputforwardcorrespondingpreventionandcontrolcountermeasuresfromtheaspectsofcardissuancereview,limitoverdraft,repayment,etc.,hopingthatbyimprovingCCB'screditcardbusinessriskmanagementcapabilities,theoverallvalueofmycountry'screditcardindustry.Competitiveness.Keywords:creditcardbusiness;Riskanalysis;Countermeasures目录一、绪论............................................................................1（一）研究的目的和意义..............................................................1（二）研究思路与方法................................................................1（三）文献综述......................................................................2二、建设银行信用卡业务现状以及存在的主要风险........................................3（一）建设银行信用卡业务现状........................................................3（二）建设银行信用卡业务存在的主要风险及其特点......................................6三、建设银行信用卡业务风险分析......................................................9（一）建设银行信用卡业务风险产生原因分析............................................9（二）建设银行信用卡业务风险带来的后果.............................................11四、建设银行信用卡风险防范对策分析.................................................12（一）发卡前的风险防范.............................................................12（二）发卡审核环节风险防范.........................................................13（三）额度透支风险防范.............................................................13（四）信用卡偿还环节风险防范.......................................................14五、结论...........................................................................15参考文献............................................................................17谢辞..............................................................................18一、绪论我国的信用卡业务在经历了多年发展之后，其发展模式、运作流程都发生了巨大的改变。建立完善的信用风险防范...