摘要
自 1985 年我国开始创建银行卡业务起，30 年间历经了起步期、过渡期、拓展期等
阶段，最终迎来了全速发展巅峰期。截至 2015 年底，我国的银行卡发放数额超过 52 亿，
各类自动刷卡机、自动提款机遍布全国各地，极大的方便了人民群众的日常生活。消费
者已经由最初对银行卡收单业务的新奇阶段发展到至今的巨大依赖。由于银行卡收单业
务在各个领域的拓展，人们的日常生活逐渐变得与银行卡业务紧密相连。银行卡收单市
场的迅速发展也推动了我国第三方支付行业的迅速崛起，成为推动我国经济发展的又一
支柱产业

本文通过对银行卡收单业务的风险管理理论系统的分析，结合 G 公司的实际发展现
状，找出了其在银行卡收单业务风险管理方面存在的不足之处：第一，特约商家风险管
理机制并不健全。第二，将精力放在了拓展业务领域上而疏略了对商家的监督。第三，
缺乏监管力度，处罚无法落实到位。第四，缺乏对合作商家的风险培训和后期监管。针
对以上的问题，作者提出了相应的解决建议：第一，完善特约商户的发展业务流程。第
二，现有的风险管理要求规范，针对收单业务的风险提出具体详尽的业务流程细化管理
办法。第三，为了严格监管目前猖獗的信用卡套现等违法行为，G 公司需要及时发现并
调整自身的银行卡审批流程的缺陷，通过相互监督管理的方式降低企业内部的管理风险，
并通过持续培训不断提升特约商户的风险防范和法律意识。同时严格规范各项处罚管理
规定与作业监管制度，并通过监督将制度落实到位。建立风险评估和应急体系，加强对
风险的监控识别，通过严格落实处罚措施提升合作商家的法律意识。培养自身风险管理
人才队伍，持续提升自身在风险预防、评估、处理、改善等方面的管理水平。第四，多
措并举加强开展反洗钱工作。第五，G 公司应当建立与同行业其他企业的沟通交流通道，
以期加强同行业风险联防水平来进一步提升自身风险防范

关键词：银行卡；收单机构；收单风险；风险管理II
Abstract
Since 1985, China began to create a bank card business, 30 years after the start period,
transition period, expansion period and other stages, and ultimately ushered in the peak period
of full-speed development. As of the end of 2015, China&39;s bank card issuance of more than 5.2
billion, all kinds of automatic credit card machines, cash dispensers all over the country,
greatly facilitate the people&39;s daily life. Consumers have been from the initial bank card
collection business of the novel stage of development to the present great dependence. As the
bank card collection business in various fields of development, people&39;s daily life has
gradually become closely linked with the bank card business. The rapid development of the
bank card collection market has also promoted the rapid rise of China&39;s third-party payment
industry, and become another pillar industry to promote China&39;s economic development.
In this paper, through the analysis of the risk management theory system of the bank card
collection business, combined with the actual development of G company, it finds out the
shortcomings of the risk management of the bank card collection business: First, the special
business risk management Mechanism is not perfect. Second, the focus on expanding the
business area and sparse on the supervision of the business. Third, the lack of supervision,
punishment can not be implemented in place. Fourth, the lack of risk training for cooperative
merchants and post-regulation. In view of the above problems, the author puts forward the
corresponding solution: First, improve the business development of special merchants.
Second, the existing risk management requirements of the standard, for the risk of a single
business out of the detailed business process detailed management approach. Third, in order
to strictly monitor the current rampant credit card cash and other illegal activities, G
companies need to promptly find and adjust their own bank card approval process defects,
through mutual supervision and management approach to reduce the internal management
risks, and through continuous training to enhance Risk prevention and legal awareness of
special merchants. At the same time strictly regulate the provisions of the punishment
management and operation supervision system, and through the supervision of the system in
place. The establishment of risk assessment and emergency response system to strengthen the
identification of risk identification, through the strict implementation of penalties to enhance
the legal awareness of business partners. Cultivate their own risk management personnel,
continue to enhance their own risk prevention, assessment, processing, improvement andIII
other aspects of the management level. Fourth, the multi-measures simultaneously to
strengthen anti-money laundering work. Fifth, G companies should establish communication
channels with other enterprises in the same industry, with a view to strengthening the level of
industry risk defense to further enhance their own risk prevention.
Key words：Bankeard; AequirersInstitution; Riskofbankaeeeptanee; Risk managementIV
目 录
摘要 I
Abstract.......... II
目 录.......... IV
1 绪 论.......... 1
1.1 研究背景及意义..........1
1.1.1 研究背景...........1
1.1.2 研究意义...........2
1.2 国内外研究现状..........2
1.2.1 国外研究现状...2
1.2.2 国内研究现状...3
1.3 研究方法..........5
1.4 研究思路..........6
1.5 研究创新点......7
2 银行卡收单业务概况及其风险管理理论基础......7
2.1 银行卡收单业务发展概况......7
2.1.1 银行卡收单业务的定义...........7
2.1.2 我国银行卡收单业务发展历程...........8
2.1.3 我国银行卡收单业务发展现状...........9
2.2 银行卡收单业务风险管理理论基础11
2.2.1 银行卡收单业务风险管理基本概念.11
2.2.2 银行卡收单业务风险概况与风险种类.........12
3 G 支付公司银行卡收单业务风险管理现状及存在问题分析.....15
3.1 G 支付公司介绍.........15
3.2 G 支付公司银行卡收单业务及风险分析.....17
3.2.1 信用卡套现风险及来源分析.....
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