信用卡业务风险管理的对策研究

摘  要

随着信用卡市场的不断发展，发卡银行面临的风险也日益显现，如信用风险、流动风险、市场风险等。最大限度地降低信用卡风险，减少风险造成银行资金的损失是各商业银行信用卡业务中的当务之急。对信用卡和信用卡风险管理的现状和信用卡风险产生的原因、存在的主要问题，提出积极的信用卡风险管理的方法和建立健全信用体系等对策。

关键词：信用卡；信用卡风险；管理

Abstract

With the continuous development of the credit card market, issuing banks are increasingly facing more risk,such as credit risk, liquidity risk, market risk, and so on. Minimizing the credit risk, reducing the risk of bank funds is the most imperative to all commercial banks in the credit card business. This thesis will research credit card and credit card risk, and the status of credit risk management at home and abroad. Explore the credit card risk management approach and drow on the advanced credit risk management experience, according to China＇s credit risk management of specific conditions, build national system of credit.

Key words: Credit card; Credit risk; Risk management

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