【作者】 杨杰；

【导师】 李亚玲；

【作者基本信息】 云南大学 ， 工商管理（MBA）（专业学位）， 2021， 硕士

【摘要】 随着我国经济的高速发展,信用卡作为商业银行零售业务中不可缺少的一部分,无论是从发卡量还是透支余额来看,信用卡的业务规模都在大幅攀升。但信用卡在我国的发展也仅三十余年,相比于国外起步较晚,各项业务的管理都还在不断的摸索中;同时,近年来,信用卡市场竞争愈发激烈,虽然各发卡机构信用卡营收还在与日俱增,但增幅呈现出逐年下降的趋势,各种不同的风险管理问题也不断暴露出来,且显现出更加复杂和隐蔽的特征。为了提高信用卡的营收能力,保障信用卡业务的可持续健康发展,进一步对现阶段信用卡风险形成的原因进行探究,并提出切实有效的风险管理对策十分迫切且非常必要。本文以F商业银行的信用卡风险管理为例,阐述了F商业银行信用卡业务风险管理的现状,从风险识别、风险评估、风险危机应对、风险监测四个环节深入地研究分析了F商业银行在信用卡风险管理中面临的一些难点和问题,并提出针对性的优化方案,助力于完善F商业商业银行信用卡全流程风险管理,保障其整体信用卡业务健康有序、稳定发展。更多还原

【Abstract】 With the rapid development of China’s economy,credit card as an indispensable part of the retail business of commercial banks,regardless of the amount of card issued or the overdraft balance,the scale of credit card business is rising sharply.However,the development of credit card in China is only more than 30 years.Compared with foreign countries,it started late,and the management of various businesses is still in constant exploration,In recent years,the competition in the credit card market has become more and more fierce.Although the revenue of credit card issuing institutions is still increasing,the growth rate shows a downward trend year by year,and various risk management problems are constantly exposed,showing more complex and hidden characteristics.In order to improve the revenue ability of credit card and ensure the sustainable and healthy development of credit card business,it is urgent and necessary to further explore the causes of the formation of credit card risk at this stage and put forward practical and effective risk management countermeasures.Taking the credit card risk management of M commercial bank as an example,this paper expounds the current situation of credit card business risk management of M commercial bank,deeply studies and analyzes some difficulties and problems faced by M commercial bank in credit card risk management from four aspects of risk identification,risk assessment,risk crisis response and risk monitoring,and puts forward targeted optimization scheme to help improve f commercial bank The whole process risk management of credit card of commercial banks can ensure the healthy,orderly and stable development of the whole credit card business.更多还原