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MBA毕业论文_金融科技对信用卡信用风险管理的案例研究DOC

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信用卡的核心竞争力就是风险管理,风险管理是商业银行的立足之本,需要不 断完善和推动才能获得最大的经济利润。近年来,Fintech(Financial Technology 的 缩写,文中译为:“金融科技”)成为了金融行业的热点,它主要是以金融业务的 需求为出发点,在新的数据分析和存储技术的支持下,它对金融业产生了巨大的影 响和变化。Fintech 不但给商业银行提供了新的转型契机,在信用卡风险管理领域也 带来了很多新的机遇、挑战和思考。 本文结合文献研究和理论分析,运用实例分析的方法,评估了金融技术对信用 卡信用风险管理的影响和作用,指出了我国信用卡信用风险管理存在的问题,提出 了应用金融科技技术对信用卡风险管理的必要性和前瞻性。同时,总结了金融科技 在中国信用卡风险管理方面面临的机遇和挑战,展望了信用卡信用风险管理中关于 未来金融技术的四大发展趋势。本文结合国内外信用卡风险管理的实际情况,提出 商业银行应尽快布局金融科技,充分发挥金融在信用卡信用风险管理中的积极作用, 从而提银行的信用风险管理能力,建立健全先进的风险管理体系。本文的预期贡献 有以下三点:(1)鉴于现有的信用卡风险管理管理和金融科技的技术背景,建议国 内银行的信用卡风险管理积极结合新技术和服务,提高风险管理水平,抓住金融技 术下风险管理转型的机遇;(2)在国内外研究的基础上,全面地梳理了信用卡风险 管理流程、问题及未来的趋势,并提出了针对性的解决方案和建议;(3)分析和总 结了 C 银行信用卡风险管理与 Fintech相结合的实例成效、问题及思考。 关键词:信用卡 风险管理 金融科技II 华 中 科 技 大 学 硕 士 学 位 论 文 Abstract The core competitiveness of credit card is risk management. Risk management is the foothold of commercial banks. It needs continuous improvement and promotion to achieve maximum economic profits. In recent years, Fintech (abbreviated as Financial Technology) has become a hot topic in the financial industry. It is mainly based on the needs of financial business. With the support of new data analysis and storage technology, Fintech has exerted tremendous influence and changes on the financial industry. Fintech not only provides commercial banks with new opportunities for transformation, but also brings many new opportunities, challenges and reflections in the field of credit card risk management. Based on literature research and theoretical analysis, this paper evaluates the impact and role of financial technology on credit risk management of credit cards, points out the problems existing in credit risk management of credit cards in China, and puts forward the necessity and prospects of applying financial technology to credit risk management. At the same time, it summarizes the opportunities and challenges faced by financial technology in credit card risk management in China, and looks forward to the four development trends of future financial technology in credit card risk management. Based on the actual situation of credit card risk management at home and abroad, this paper puts forward that domestic commercial banks should lay out financial science and technology as soon as possible, give full play to the positive role of Finance in credit card risk management, never mention the bank's credit risk management ability, and establish and improve the advanced risk management system. The expected contributions of this paper are as follows: (1) In view of the existing technical background of credit card risk management and financial technology, it is suggested that domestic banks actively integrate new technologies and services into credit card risk management, improve risk management level and seize the opportunity of risk management transformation under financial technology; (2) Based on the research at home and abroad, the credit card risk management is comprehensively combed. Procedures, problems and future trends, and putIII 华 中 科 技 大 学 硕 士 学 位 论 文 forward targeted solutions and suggestions; (3) Analysis and summary of Bank C credit card risk management and Fintech combined case results, problems and thinking. Key words: Credit card Risk management Financial TechnologyIV 华 中 科 技 大 学 硕 士 学 位 论 文 目 录 摘要.......................................................................................................I Abstract................................................................................................... II 图目录....................................................................................................VI 表目录.................................................................................................. VII 1 绪论 .................................................................................................... 1 1.1 研究背景及意义............................................................................ 1 1.2 研究内容和方法............................................................................ 2 2 相关理论综述..................................................................................... 4 2.1 信用卡风险管理............................................................................ 4 2.2 金融科技的概念界定..................................................................... 5 2.3 金融科技与银行的关系................................................................. 6 2.4 金融科技与信用风险管理的文献综述........................................... 8 3 信用风险管理现况及存在的问题..................................................... 10 3.1 国内信用风险管理现状............................................................... 10 3.2 国外信用风险管理现状............................................................... 20 3.3 信用卡信用风险管理存在的问题................................................ 20 3.4 金融科技给信用卡风险管理带来的机遇和挑战.......................... 21 4 金融科技在信用卡风险管理中的案例.............................................. 23 4.1 C 银行信用卡风险管理的案例介绍............................................. 23 4.2 C 银行“数、算、器”决策框架与现存问题.................................. 25 4.3 如何解决 C 银行风控科技能力的空缺........................................ 27 4.4 C 银行在信用卡信用风险管理中取得的成效.............................. 30V 华 中 科 技 大 学 硕 士 学 位 论 文 4.5 从 C 银行信用卡风险管理中获得的启发和思考......................... 30 5 信用卡信用风险管理建设的建议和措施.......................................... 32 5.1 充分发挥金融科技在银行信用卡风险管理中作用的措施........... 32 5.2 金融科技下信用卡风险管理的四大发展趋势 ............................. 35 结束语....................................................................................................38 致 谢....................................................................................................40