金融危机影响下信用卡信用风险管理

浅析金融危机影响下的信用卡信用风险管理

内容摘要：发展信用卡业务的核心的问题就是如何利用高效的管理体系对信

用卡的业务风险进行控制。本文分析了我国银行信用卡业务的各种风险，接下来就将围绕这一风险展开具体的研究分析。我认为，我国银行对信用卡信用风险管理的问题主要存在以下两个方面：一方面出自银行内部的控制管理，另一方面则是关于银行外部的环境保障，等等。那么，结合实际解决以上问题就是本文的重点分析内容。

本文主要从四个部分对我国银行信用卡信用风险管理进行研究：第一部分是信用卡及信用卡风险概论；第二部分是分析信用卡信用风险管理的重要性；第三部分是金融危机时期我国信用卡业务的发展现状及主要问题；第四部分是金融危机时期提出信用卡信用风险管理的相关策略。

关键词：信用卡；信用风险；信用风险管理；金融危机

On the Credit Risk Management of Credit Card under the Influence of the Financial Risk

Credit card has been developed in Western developed countries more than half a century. Compared with it, China has a later start of credit card business but it developed rapidly. However, the credit card market has been changed, which does not develop as rapid as the previous two years due to the financial crisis in recent two years.

How to use efficient management system to control the business risk is the core question of developing credit card business. In this article, I analyzed bank credit risk in China because it is the main risk, and the specific research and analysis will be launched around this risk in the next section. I consider that there are two main problems of China’s bank credit risk management: one aspect is internal control management of bank, which caused by backward idea of credit risk management, single management tool, low ability of evaluating credit risk, and lack of technology and talents. Another problem is about the protection of external environment, which including imperfect laws and regulations, incomplete social credit etc. Then, the key point of this paper is to deal with these problems connect with reality.

This paper is divided into four sections: section one is to introduce credit card and credit card risk outline; section two analyzed the importance of credit risk management of credit card; section three analyzed the development of current situation of credit card business in China, also listed main problems specifically; the final section proposed strategies to credit risk management of credit card during financial crisis.

Key words: Credit card Credit risk Management of credit risk financial crisis

目录

一、金融危机对我国信用卡行业产生的影响 (3)

(一) 信用卡行业的实质是银行消费信贷的发展产物 (3)

(二) 信用卡行业受到虚拟经济和实体经济的双重影响 (3)

二、信用卡及信用卡风险概述 (3)

(一) 信用卡概述 (3)

（二）信用卡风险概述及分类、产生的主要原因 (4)

1.信用卡风险的基本定义 (4)

2.信用卡风险的主要分类 (4)

3.信用风险产生的主要原因 (4)

三、信用卡的信用风险管理 (5)

四、我国信用卡业务的发展现状及主要问题 (5)

(一) 我国信用卡业务的发展状况 (5)

(二) 我国信用卡风险管理的发展状况 (7)

(三)金融危机后信用卡风险管理存在的主要问题 (8)

五、针对金融危机信用风险管理的对策建议 (8)

结论 (9)

参考文献 (10)