信用卡业务的风险和防范

摘 要

信用卡方便快捷的消费方式越来越受到民众的欢迎，正逐渐成为百姓生活中一个重要工具，各银行对此业务的开展更是方兴未艾。经过近20年的发展，我国信用卡业走过了由点到面、由单兵作战到联合发展的艰辛路途，取得了很大进步，但相对于国外成熟的信用卡业而言，还显稚嫩，还存在诸多不足，需要多方努力，认真对待和解决。近几年来，信用卡风险行为在我国大量发生并呈蔓延态势，对经济，金融的稳定形成了威胁。本文对此进行了分析和探讨，以期对认识和解决该问题有所裨益。

关键词：信用；风险 ；防范
ABSTRACT
With the development of credit card business,the frequency of credit card risk is more and more high and the loss of credit risk is more and more great,therefore,the management of credit card risk is more important. The measure of credit card risk general can be divided into parry,prevention,transfer and compensate and so on.In order to reach the point that with the lower cost getting the result of the best risk control before the take place of the risk and the steady management of the bank after the take place of the risk ,the bank should make out the right choice based on the analyze of the cost and income of the measure of credit card risk.So,the bank can reduce or avoid credit card risk and realize the increase of the income of the management.

 
KEY WORDS: credit card risk ;management of risk ; economical analysis

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