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信用卡的探讨,页数40字数 30805摘 要信用卡是商业银行的一个重要产品,对经济的发展具有十分重要的作用 ,信用卡使持卡人的消费更加方便和安全,信用卡能扩大特约商户的销售和服务,提高特约商户的经济效益。信用卡是商业银行的一个重要的盈利来源，在许多国外商业银行信用卡业务产生的利润一般要占到全部利润的30%以上，信用卡能...
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信用卡的探讨
页数 40 字数 30805
摘 要
信用卡是商业银行的一个重要产品,对经济的发展具有十分重要的作用 ,信用卡使持卡人的消费更加方便和安全,信用卡能扩大特约商户的销售和服务,提高特约商户的经济效益。信用卡是商业银行的一个重要的盈利来源，在许多国外商业银行信用卡业务产生的利润一般要占到全部利润的30%以上，信用卡能刺激需求，提高社会消费水平，信用卡业务快速健康发展能有力地促进我国经济的发展。然而相对于近年来银行卡业务的迅速发展我国信用卡业务的发展却相对缓慢，很重要的一个原因是信用卡的风险问题没有得到有效的控制，我国的信用卡业务要快速健康的发展，首先就要解决信用卡的风险问题 。
本文从促进信用卡发展的角度出发，在借鉴国内外有关信用卡风险管理理论和方法的基础上，运用金融学、管理学等相关理论知识，通过分析、比较等研究等方法，对如何改进和完善我国信用卡风险管理进行探讨，分析我国信用卡风险管理实际工作中存在的问题和解决办法。
希望通过本文对我国信用卡风险问题的探讨, 能增强我国发卡银行,持卡人, 特约商户的信用卡风险防范能力, 有效地控制我国信用卡风险保障我国信用卡业务的健康发展 ,从而促进我国经济的发展.
关键词：信用卡 信用卡风险 风险管理 风险控制 风险防范
ABSTRACT
he credit card is an important product of the commercial bank, having the very important function to the development of the economy, the credit card make hold the card person's consumption more convenient and safety, the credit card can extend the special contract seller's sale and services, exaltation the special contract seller's economic performance. The credit card is an important earnings source of the commercial bank, at the output profits of many foreign commercial banks credit card business wants to have to all 30%s of profits generally above, the credit card can stimulate the need, exaltation the society consumes the level, the credit card business develops quickly and healthily and can promote the development of the our country economy emolliently. However opposite in in recent years the development of the quick development our country credit card business of the bank card business but opposite slow-moving, very important reason is the risk problem of the credit card and did not get the valid control, the credit card business of the our country want to be fast health of development, will resolve the risk problem of the credit card first.
This text from promote credit card the angle of the development set out, in drawing lessons from the domestic and international concerning the credit card risk to manage the foundation of the theories and method, making use of the finance to learn, the management learns the related theories knowledge of etc., pass analysis, comparison etc. research etc. method, to how improve and perfect our country the credit card risk management carry on the study, analysis our country the credit card risk manages the actual work in the existent problem and solutions. The hope passes this text to the our country study of the credit card risk problem, can strengthen the our country hair card bank, hold the card person, the special contract seller's credit card risk guards against the ability, availably control the our country the credit card risk guarantee our country the healthy development of the credit card business, thus promote the development of the our country economy.
Keywords: The credit card credit card risk risk management risk control risk guard against
目 录
第1章 绪论 ．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．1
1.1研究的背景．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．1
1.2研究的思路和方法．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．1
1.3研究的框架．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．1
第2章 信用卡的概述．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．3
2.1信用卡的涵义．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．3
2.2信用卡的概念．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．4
2.2.1信用卡的产生和发展．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．4
2.2.2信用卡的类型．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．5
2.3信用卡的性质和功能．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．9
2.3.1信用卡的性质．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．10
2.3.2信用卡的功能．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．11
2.4信用卡风险的产生．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．9
2.4.1风险和信用卡风险．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．14
2.4.2我国信用卡风险的主要类型和表现．．．．．．．．．．．．．．．．．．．．．15
2.5信用卡风险管理．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．3
2.5.1信用卡风险管理问题的提出．．．．．．．．．．．．．．．．．．．．．．．．．．．14
2.5.2信用卡风险管理的含义．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．15
2.5.3信用卡风险管理的经济分析．．．．．．．．．．．．．．．．．．．．．．．．．．．15
第3章 我国信用卡发展的现状．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．24
3.1我国信用卡发展的规模和历程．．．．．．．．．．．．．．．．．．．．．．．．．．．．．24
3.1.1我国信用卡市场的发展历程．．．．．．．．．．．．．．．．．．．．．．．．．．．24
3.1.2 加入WTO对信用卡市场规模和结构的影响．．．．．．．．．．．．．26
3.2我国信用卡现阶段的特点．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．31
3.3从我国现实问题看加强信用卡风险管理的必要性．．．．．．．．．．．．．．31
第4章 国外信用卡发展情况．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．35
4.1美.日.韩.等成熟市场信用卡发展状况．．．．．．．．．．．．．．．．．．．．．．．35
4.2成熟市场信用卡业务发展的主 要特点．．．．．．．．．．．．．．．．．．．．．．．35
第5章 信用卡风险的防范措施．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．3
5.1完善内部风险控制机制．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．4
5.2完善和拓宽风险化解渠道．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．9
结 论．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．40
参考文献．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．41
致 谢．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．42附 录．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．42
页数 40 字数 30805
摘 要
信用卡是商业银行的一个重要产品,对经济的发展具有十分重要的作用 ,信用卡使持卡人的消费更加方便和安全,信用卡能扩大特约商户的销售和服务,提高特约商户的经济效益。信用卡是商业银行的一个重要的盈利来源，在许多国外商业银行信用卡业务产生的利润一般要占到全部利润的30%以上，信用卡能刺激需求，提高社会消费水平，信用卡业务快速健康发展能有力地促进我国经济的发展。然而相对于近年来银行卡业务的迅速发展我国信用卡业务的发展却相对缓慢，很重要的一个原因是信用卡的风险问题没有得到有效的控制，我国的信用卡业务要快速健康的发展，首先就要解决信用卡的风险问题 。
本文从促进信用卡发展的角度出发，在借鉴国内外有关信用卡风险管理理论和方法的基础上，运用金融学、管理学等相关理论知识，通过分析、比较等研究等方法，对如何改进和完善我国信用卡风险管理进行探讨，分析我国信用卡风险管理实际工作中存在的问题和解决办法。
希望通过本文对我国信用卡风险问题的探讨, 能增强我国发卡银行,持卡人, 特约商户的信用卡风险防范能力, 有效地控制我国信用卡风险保障我国信用卡业务的健康发展 ,从而促进我国经济的发展.
关键词：信用卡 信用卡风险 风险管理 风险控制 风险防范
ABSTRACT
he credit card is an important product of the commercial bank, having the very important function to the development of the economy, the credit card make hold the card person's consumption more convenient and safety, the credit card can extend the special contract seller's sale and services, exaltation the special contract seller's economic performance. The credit card is an important earnings source of the commercial bank, at the output profits of many foreign commercial banks credit card business wants to have to all 30%s of profits generally above, the credit card can stimulate the need, exaltation the society consumes the level, the credit card business develops quickly and healthily and can promote the development of the our country economy emolliently. However opposite in in recent years the development of the quick development our country credit card business of the bank card business but opposite slow-moving, very important reason is the risk problem of the credit card and did not get the valid control, the credit card business of the our country want to be fast health of development, will resolve the risk problem of the credit card first.
This text from promote credit card the angle of the development set out, in drawing lessons from the domestic and international concerning the credit card risk to manage the foundation of the theories and method, making use of the finance to learn, the management learns the related theories knowledge of etc., pass analysis, comparison etc. research etc. method, to how improve and perfect our country the credit card risk management carry on the study, analysis our country the credit card risk manages the actual work in the existent problem and solutions. The hope passes this text to the our country study of the credit card risk problem, can strengthen the our country hair card bank, hold the card person, the special contract seller's credit card risk guards against the ability, availably control the our country the credit card risk guarantee our country the healthy development of the credit card business, thus promote the development of the our country economy.
Keywords: The credit card credit card risk risk management risk control risk guard against
目 录
第1章 绪论 ．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．1
1.1研究的背景．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．1
1.2研究的思路和方法．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．1
1.3研究的框架．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．1
第2章 信用卡的概述．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．3
2.1信用卡的涵义．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．3
2.2信用卡的概念．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．4
2.2.1信用卡的产生和发展．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．4
2.2.2信用卡的类型．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．5
2.3信用卡的性质和功能．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．9
2.3.1信用卡的性质．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．10
2.3.2信用卡的功能．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．11
2.4信用卡风险的产生．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．9
2.4.1风险和信用卡风险．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．14
2.4.2我国信用卡风险的主要类型和表现．．．．．．．．．．．．．．．．．．．．．15
2.5信用卡风险管理．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．3
2.5.1信用卡风险管理问题的提出．．．．．．．．．．．．．．．．．．．．．．．．．．．14
2.5.2信用卡风险管理的含义．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．15
2.5.3信用卡风险管理的经济分析．．．．．．．．．．．．．．．．．．．．．．．．．．．15
第3章 我国信用卡发展的现状．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．24
3.1我国信用卡发展的规模和历程．．．．．．．．．．．．．．．．．．．．．．．．．．．．．24
3.1.1我国信用卡市场的发展历程．．．．．．．．．．．．．．．．．．．．．．．．．．．24
3.1.2 加入WTO对信用卡市场规模和结构的影响．．．．．．．．．．．．．26
3.2我国信用卡现阶段的特点．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．31
3.3从我国现实问题看加强信用卡风险管理的必要性．．．．．．．．．．．．．．31
第4章 国外信用卡发展情况．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．35
4.1美.日.韩.等成熟市场信用卡发展状况．．．．．．．．．．．．．．．．．．．．．．．35
4.2成熟市场信用卡业务发展的主 要特点．．．．．．．．．．．．．．．．．．．．．．．35
第5章 信用卡风险的防范措施．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．3
5.1完善内部风险控制机制．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．4
5.2完善和拓宽风险化解渠道．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．9
结 论．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．40
参考文献．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．41
致 谢．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．42附 录．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．．42
