信用卡业务的风险防范

摘要：
自从 1985年6月中国银行在国内发行第一张信用卡——中银卡以来，我国的银行卡业务得到了迅速发展，银行卡的软件、硬件环境有较大改善，发卡银行和发卡数量以及交易金额等方面都有较大增长。银行卡作为面向市场、联系客户、聚集资金、增加收益的一种现代化、大众化的金融产品，必将成为国内外银行业争夺的焦点。因此，客观地分析信用卡业务的优势与劣势，将有助于我们在未来的竞争中，准确定位，沉着应对，保持主动，以适应改革开放浪潮的冲击。
 

关 键 词：金融，信用卡，风险，防范，管理

ABSTRACT
With the first credit card—Zhongyin Card coming into our country which issued by the Bank of China, the bussiness of the credit card has gone into a great deal of development in China. The enviroment of software and the hardware has greatly improved. The number of the banks and the cards ahs gradtly increased. So as the trade sum of money. As a modern and popular financial product , the credit card must be turned into the focus on facing the market, contacting the guests, gathering the fund and increasing the profit by the domestic and overseas banks. Therefore, analysing the advantages and the disadvantages of the credit card is helpful for us to finalize exactly, face calmly and to gain the initiative which is adapting to the lash of open reformation in the competition of the future.
 
KEY WORDS: Finance; Credit Card; risk; defence; management

*若需了解更多与协助请咨询↓→[电脑QQ][手机QQ]【数据协助】