分类号 学号 M201977574
学校代码 1 0 4 8 7 密级
硕士学位论文
（学术型□ 专业型）
招商银行信用卡风险管理案例研究
学 位 申 请 人：刘宇晴
学 科 专 业：工商管理
指 导 教 师：夏新平教授
答 辩 日 期：2021 年 11 月 26 日A Dissertation Submitted in Partial Fulfillment of the Requirements
for the Degree of Master of Business Administration
A Case Study on Credit Card Risk Management of
China Merchants Bank
Candidate : LIU Yuqing
Major: Business Administration
Supervisor : Prof. XIA Xinping
Huazhong University of Science & Technology
Wuhan 430074, P.R.China
November, 2021华 中 科 技 大 学 硕士学位论文
III 华 中 科 技 大 学 硕士学位论文
摘 要
如今信用卡在银行的盈利业务结构中已经占据重要的位置，如果想要充分展现
出这一业务的价值创造能力，就应当从风险管理的角度入手进行强化。做好了风险
管理可以精准定位找到优质客户，防范客户逾期风险，减少银行呆账，让信用卡业
务能够得到更为规范的发展。招商银行近些年一直致力于信用卡业务布局，业务发
展情况在行业内属于先进水平，所以该银行在风险管理方面存在的问题具有一定的
普遍性。
本文以招商银行为研究对象，对招商银行信用卡风险进行了研究分析。本文运
用了文献综述法、案例研究法两种基础研究手段，通过量化和质化相融合的方法展
开分析。通过搜集、阅读、整理世界各国在有关问题上的研究成果，以研究人员的
思路和成果为参考，构建本研究的总体架构。然后选取招商银行为分析对象，通过
量化与质化相融合的手段，系统地分析文献资料和数据，归纳总结出信用卡风险管
理中的问题和产生的原因，以具有指向性的方式建立优化方案。
对于招商银行信用卡风险管理中的问题，提出来相对应的解决方案，信用卡申
请前加强信用卡风险防范能力，完善个人征信系统及相关法律，加强风控人才的培
养；信用卡流通中提高信用卡风险监测能力，充分发挥金融科技在信用卡中心的作
用，根据外部风险情况实时调整政策，学习国外先进的管理技术；加强资产清收体
制的建设，提升服务质量，减少投诉指标。
关键词：招商银行；信用卡；风险管理
IV 华 中 科 技 大 学 硕士学位论文
Abstract
Credit cards now play an important role in the profitable business structure of banks.
Risk management of a credit card is crucial to maximize the credit card business. By
doing a good job in risk management, we can accurately locate high-quality customers,
prevent customer overdue risks, reduce bank bad debts, and promote the continuous
development of credit card business. China Merchants bank credit card business has
always been among the best in the industry, its credit card business risk management
problems are representative and typical.
With the China Merchants Bank, China Merchants Bank credit card risk. This paper
uses the literature review, case analysis and quantitative and qualitative methods. By
collecting, reading, summarizing domestic and abroad references, analyzing previous
research ideas, to establish the theoretical framework of this paper, and then select China
merchants bank as the analysis object, By quantified the means of integration and quality,
we systematically analyze the literature and data, summarize the problems and causes in
credit card risk management, and establish the optimization scheme in a directional way.
For problems in credit card risk management, strengthen credit card risk prevention,
improve personal credit investigation system, improve the training of risk control
personnel in credit card circulation, improve the role of fintech in credit card center, adjust
policies in real-time, learn advanced foreign management technology, improve credit card
risk control, strengthen the construction of asset collection system, improve service quality
and reduce complaint indicators.
Key Words: China Merchants Bank, Credit card, Risk management
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