【作者】 王浩；

【导师】 蒋晓荣；

【作者基本信息】 西安理工大学 ， 工商管理（专业学位）， 2021， 硕士

【摘要】 消费作为经济增长的三驾马车之一,在经济中所占比重的越来越高。党的十九大报告指出,消费升级即将为我国国民经济增长新动能之一。信用卡作为一种支付与融资工具,在消费升级大趋势中将有较大的增长空间,大力发展信用卡业务将能够为银行带来大量的利润。信用卡业务是无抵押产品,兼具高收益与高风险的特征,在业务经营中风险管理占据至关重要的地位。作为四大行之一的中国银行,信用卡起步较早,客户规模较大,但在当地四大国有行中的不良率却最高,许多风险问题不断暴露,是较为典型的信用卡风险管理研究对象。对中国银行来说,开展信用卡风险管理的研究是非常必要和迫切的,也成为了理论界和实践界关注的热点问题。本文以中国银行H分行的信用卡风险管理为标的来进行研究,首先采用文献综述法等研究方法,对信用卡风险管理的相关理论进行阐述、总结。随后对该行的信用卡业务以及风险管理流程进行研究,查找其风险管理存在的问题。之后,通过专家访谈法、结合文献研究成果对H分行信用卡风险进行识别,深入研究存在的风险因素类型。运用层次分析法对相关风险因素权重进行赋值,最后并使用风险矩阵法和Borda序值法,对H分行的整体信用卡风险管理水平进行量化评价,对各风险因素进行排序,区分优先级,为H分行风险管理资源分配提供指导。最后,根据风险评估结果,针对性的提出风险管理优化措施,为完善其风险管理水平进行指导。通过此次研究,笔者发现H分行风险管理处于中风险水平,风险管理水平有待提高。最后提出从营销策略、贷前审查、贷后监控、催收核销、支持保障五个角度,加强业务管理与风险管控,提升整个H分行信用卡业务的竞争力,为银行创造更高的收益。此次研究对于H分行的风险管理进行全面深入剖析,为H分行信用业务提供优化建议,具有较为实际的现实意义,通过对该行信用卡业务的研究也丰富了信用卡风险管理的相关理论,对其他信用卡业务经营部门是很好的借鉴。更多还原

【Abstract】 Consumption,as one of the three drivers of economic growth,accounts for an increasingly high proportion of the economy.According to the report of the 19th CPC National Congress,consumption upgrading will soon become one of the new driving forces of China’s national economic growth.As a payment and financing tool,credit card will have a large growth space in the trend of consumption upgrading,and vigorously developing credit card business will bring a lot of profits for banks.Credit card business is an unsecured product,which has the characteristics of high yield and high risk.Risk management plays an important role in business operation.As one of the big four banks,Bank of China started credit card earlier and has a large number of customers.However,its non-performing rate is the highest among the local big four state-owned banks and many risk problems are constantly exposed.It is a typical research object of credit card risk management.For The Bank of China,it is very necessary and urgent to carry out the research on credit card risk management,which has become a hot issue concerned by the theoretical and practical circles.This paper takes the credit card risk management of H Branch of Bank of China as the target for research.Firstly,literature review method and other research methods are used to explain and summarize the related theories of credit card risk management.Then the credit card business and risk management process of the bank were studied to find the problems existing in its risk management.After that,the expert interview method and literature research results were used to identify the credit card risks of H branch,and the types of existing risk factors were deeply studied.Ahp is used to assign the weight of relevant risk factors.Finally,the risk matrix method and Borda order value method are used to quantitatively evaluate the overall credit card risk management level of H Branch,and the risk factors are sorted and prioritized to provide guidance for the allocation of risk management resources of H Branch.Finally,according to the results of risk assessment,targeted risk management optimization measures are put forward to guide the improvement of its risk management level.Through this study,the author finds that the risk management of H Branch is at a medium risk level and the risk management level needs to be improved.Finally,it proposes to strengthen business management and risk control from five perspectives,including marketing strategy,pre-loan review,post-loan monitoring,collection verification and cancellation,and support and guarantee,so as to enhance the competitiveness of the credit card business of H Branch and create higher profits for the bank.This study makes a comprehensive and in-depth analysis of the risk management of H Branch and provides optimization suggestions for the credit business of H Branch,which is of practical and practical significance.The study on the credit card business of H Branch also enriches the related theories of credit card risk management,which is a good reference for other credit card business operation departments.更多还原