摘要
摘要
信用卡的本质是一种可循环使用，具有一定的普惠金融属性和社会信用基础
的小额消费信贷。当居民现金流紧张的情况下，信用卡较好地支持了人们对现金
的应急需求，关键时刻起到了服务大众和实体经济的作用。近年来，我国信用卡
行业发展迅速，规模不断扩大，发卡机构数量不断增加，发行品种不断丰富，已
形成覆盖全国范围内的较为完善的市场体系。当前信用卡已成为国内应用最为普
遍的非现金支付工具，同时，信用卡作为国内商业银行零售业务的重点产品，是
银行重要的利润来源。随着信用卡业务跑马圈地式的快速扩张，信用卡业务风险
日益凸显，已成为制约商业银行发展的主要因素之一，如何有效地控制信用卡不
良率而又能维持商业银行利润率的稳定，是商业银行可持续发展的关键。对商业
银行信用卡业务风险管理进行研究，提升信用卡业务风险管理水平，具有重要的
理论意义和实践意义。
本论文以信用卡风险相关知识为理论基础，根据M银行 L分行信用卡业务
开展现状及风险管理水平，采用层次分析法（ AHP）和模糊综合评价法（ FCE）
定量和定性综合分析方法，通过构建风险评价模型，对M银行 L分行信用卡业
务风险进行科学评估，并对风险评估结果进行深入分析，提出适用于M银行L
分行的信用卡业务风险管理的具体措施。
通过对 M银行 L分行信用卡业务风险管理研究，识别出M银行 L分行当
前信用卡业务存在的主要风险，对这些风险进行科学的评价分析，并提出具体的
可操作的风险管控措施，提升 M银行 L分行信用卡业务风险管理水平，降低因
风险带来的经济损失和其他损失，促进我国商业银行信用卡行业健康可持续发展。
关键词：商业银行；信用卡业务；风险评价；风险管理
论文类型：应用类
选题来源：其他
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ABSTRACT
ABSTRACT
The essence of credit card is a kind of microconsumer credit which can be
recycled and has some inclusive financial attributes and social credit basis. Credit
cards better support people's emergency need for cash at a time when residents are
cash-strapped, serving both the public and the real economy at a critical time. In recent
years, China'scredit cardindustry has developedrapidly, expandingin scale,
increasing in number and variety of issuers, and forming a more complete market
system covering the whole country. At present, credit card has become the most widely
used non-cash payment tool in China. At the same time, credit card is an important
profit source for domestic commercial banks as the key product of retail business.
With the rapid expansion of credit card business, the risk of credit card business is
becoming more and more prominent, which has become one of the main factors
restricting the development of commercial banks. How to control the bad credit card
rate effectively while maintaining the stable profit margin of commercial banks is the
key to the sustainable development of commercial banks. It is of great theoretical and
practical significance to study credit card business risk management in commercial
banks and improve the level of credit card business risk management.
Based on the knowledge of credit card risk, this paper analyzes the current
situation of credit card business in M Bank L Branch and the level of risk management,
adopts analytic hierarchy process (AHP) and fuzzy comprehensive evaluation method
(FCE) to make a scientific assessment of credit card business risk in M Bank L Branch
by constructing risk evaluation model, and analyzes the results of risk assessment in
depth, and puts forward specific measures for credit card business risk management in
M Bank L Branch.
Through the risk management research of M Bank L Branch credit card business,
this paper identifies the main risks of M Bank L Branch credit card business, makes a
scientific evaluation and analysis of these risks, and puts forward specific operational
risk control measures to improve the risk management level of M Bank L Branch
credit card business, reduce the economic losses and other losses caused by risks, and
promote the healthy and sustainable development of China's commercial bank credit
card industry.
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ABSTRACT
KEY WORDS: Commercial Bank; Credit Card Business; Risk Evaluation; Risk
Management
Dissertation type: Application Category
Subject source: Others
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