信用卡是商业银行的产品的一个部分,对经济的发展具有十分重要的作用。
信用卡使持卡人能够以更加方便和安全进行消费,同时信用卡能扩大特约商户的目标客户群体,并提高特约商户的经济效益。信用卡能刺激消费，提高社会的消费水平，而且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 ，因此我们势必要对信用卡的风险成因及其防范措施进行分析。
整篇文章分五个部分论述。第一部分是引言主要介绍了现今我国信用卡业发展概况。第二部分是介绍信用卡风险的类型和成因。第三部分是信用卡风险管理的基方法。第四部分论述关于信用卡风险机制完善的问题。第五部分通过对于美国信用卡风险系统的介绍，以得出对我国的启示。最后是文章的总结和结论。
关键词 ：信用卡 信用卡风险 风险防范与管理
ABSTRACT
Credit card is one part of the products in the commercial banks, and it plays an important role in the development of economy. Credit cards make clients consuming safely and conveniently. It also can enlarge the target clients of special arrangements and improve their benefits. Credit card can motivate clients consuming, raise the level of society consumption, and it even can promote the economy development of our country. However, credit card industry developed slowly compared to the banking. One of the most important reasons is that the credit card risk wasn’t controlled effectively. In order to make the credit card industry develop quickly, we should solve the problem of credit card risk. So we must analyze the reason, the prevention and management of credit card.
This paper is supposed to fall into 6 parts. First of all, the foreword simply introduces the development of credit card in China. The second part is the general introduction of the species and the reason of credit card risk. In the third part, the author just describes methods of credit card risk management. In the next part, the author discusses the improvement of risk system of credit card. In fifth part, the author concludes the apocalypse through the introduction of the credit risk system of credit card in America. The last part is the summary of the paper.
Key Words: Credit Card Risk, Credit Card Risk, Risk Prevention and Management
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