而商业银行在展开信用卡业务时，在各个环节都可能会出现风险，包括发卡环节、
用卡环节以及支付环节等，而且信用卡在市场上的应用中，其风险的影响对象同
样较多，具体涉及特约客户对象、商业银行自身以及持卡对象等，与上述对象主
体的切身利益均存在密切联系。尽管各商业银行都将关注度投放至银行卡业务中，
但是却忽视了对该业务风险的综合防范，也未深入调查持卡对象的信用指数，导
致风险客户大量出现，致使信用卡经营活动中出现各类型风险。较之西方国家，
中国在信用卡市场上不仅具有较大的开发潜力，而且发展空间十分广阔，同时开
发能力不足的问题也较为突出，加之信用卡领域发展环境十分特殊，所以面临的
难题及风险指数普遍偏大。鉴于此，为确保信用卡专项业务实现健康发展目标，
除了要准确识别各类型风险外，还要加强对风险指数以及风险度量的综合管理与
防范，通过优化信用卡业务中的风险管理技术，从而有效规避运营风险

本文首先对商业银行信用卡业务风险的相关理论及类型进行详细阐述，同时
对商业银行信用卡业务的操作风险、信用风险和欺诈风险的诱因分别展开深入分
析，根据风险诱因结果，按照信用卡风险管理理论和方法、步骤，分别制定出商
业银行信用卡业务操作风险、信用风险和欺诈风险的风险管理措施。接着以 A
分行为例，在对 A 分行信用卡业务的市场优势、业务状况。风险管理状况进行了
介绍，在此基础上，分析了 A 分行在风险管理方面存在的问题。针对这些问题，
依据风险管理相关理论和方法制定出相应的改进措施

关键词：商业银行；信用卡业务；业务风险；防范措施；Abstract
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Abstract
The Commercial Bank launches the daily business activities, to win the initiative
and seize a larger market, one of the measures is often taken to expand their business
scope and scale, the credit card business is an important choice for them. But the
commercial bank in the credit card business, in all aspects of risks may arise,
including issuing card payment links, links and links, and the application of credit
card on the market, the risk of the same object effect more, in particular to special
clients, commercial banks and credit card are objects. There is a close relationship
with the vital interests of the subject. Although the commercial banks will put
attention to the business of the bank card, but ignored the comprehensive prevention
of the business risk, not credit card in-depth investigation object index, leading to the
risk of the emergence of a large number of customers, the various types of risk in
credit card business. Compared with western countries, China not only has great
potential for development in the credit card market, but also very broad space for
development, while the development of the problem of insufficient capacity is also
more prominent, and the field of credit card development environment is very special,
so the problem and the risk index of Pu facing larger times. In view of this, in order to
ensure the credit card business to achieve healthy development goals, in addition to
accurately identify the various types of risks, but also to strengthen the risk index and
risk measure of the comprehensive prevention and management, through risk
management technology to optimize the credit card business, thus effectively avoid
operating risks.
In this paper, firstly the related theory of business risk of commercial bank credit
card and type in detail, and causes of operational risk, the credit card business of
commercial banks credit risk and fraud risk are deeply analyzed, according to the risk
factors, according to credit card risk management theory and methods and steps,
respectively formulate business operation risk credit risk and fraud risk of commercialAbstract
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bank credit card risk management measures. Next, take the A example of the market
advantage and business status of the credit card business on A. Risk management
status is introduced, and on this basis, the A branch of risk management problems are
analyzed. In view of these questions, according to the risk management related theory
and the method, has formulated the corresponding improvement measure.
Key words ： commercial Banks; Credit card business; Business risk; Preventive
measures目录
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目 录
摘要.......... I
Abstract....... II
第一章 绪论1
第一节 研究背景.... 1
第二节 研究目的和意义.... 2
第三节 国内外研究文献综述........ 2
一、国外研究文献综述.2
二、国内研究文献综述.4
三、研究文献述评.........5
第四节 具体研究内容及技术路线 6
第二章 相关理论基础.......7
第一节 风险与风险管理.... 7
一、风险的含义.7
二、风险管理的定义.....7
三、风险管理的特征.....8
第二节 信息不对称理论.... 8
第三节 委托——代理理论 9
第四节 新巴塞尔资本协议.. 9
第三章 商业银行信用卡业务风险内涵、特征、类型及成因.11
第一节 商业银行信用卡业务风险的内涵.11
第二节 商业银行信用卡业务风险的基本特征.....11
第三节 商业银行信用卡业务的风险类型 12
一、操作类风险...........13
二、信用类风险...........13
三、欺诈类风险...........14
第四节 商业银行信用卡业务的风险成因 15目录
III
一、操作类风险成因...15
二、信用类风险成因...16
三、欺诈类风险成因...17
第五节 我国商业银行信用卡业务风险现状分析 18
第四章 A 分行信用卡业务风险案例.....20
第一节 A 分行信用卡风险管理状况.........20
一、A 分行信用卡专项业务情况.......20
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