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| 商业银行信用卡风险及其防范 内容摘要：近年来，伴随中国经济的飞速发展，商业银行的信用卡业务的数量也增长迅猛。信用卡作为一种不需要担保的信用贷款的产品，所遭遇的风险也日益显现。全文主要围绕信用卡业务风险展开，通过对信用卡业务发展的现状的分析，以及对信用卡风险成因的探索，采取理论和事实相结合的手法，来剖析信用卡业务所存在的风险，然后进一步提出积极防范信用卡业务风险的措施，来实现信用卡风险管理。本文不仅从发卡行自身所存在的漏洞和限制来进行分析，更从持卡人以及特约商户的角度全方面的剖析了信用卡业务在其发卡和使用中所存在的风险，并且针对不同风险，提出与其相对应的风险防范措施。力争营造一个更加安全，高效，可靠的信用卡使用环境。 关键词：商业银行 信用卡 风险管理 Abstract：In recent years, along with the fast development of the economy of China, the number of the credit card business is growing rapidly. Credit card as a kind of credit products which needs no guarantee, the encountered risk is increasingly revealed. The full text mainly revolves around the credit card business risk, through the analysis of the status of development of the credit card business, as well as the exploration of the causes of credit risks, take the combination of theory and reality, to analyze the credit card business risks, then further puts forward actively preventing the risks of credit card business measures, to implement the credit card risk management. This article not only from Banks themselves have loopholes and limit for analysis, from the Angle of the card holder and special merchant, more all aspects of the analysis of the credit card business risk in their credit card and use, and according to different risk, the corresponding risk prevention measures are put forward. Strive to build a more secure, efficient, reliable credit card using environment. Key words：commercial bank credit card risk management |
