摘 要
张子萱个人资料随着技术和市场经济的发展，我国出现了大量的信用卡，在此基础上，办理信用卡的人数的数量逐年增加，老百姓们在日常的消费中都在使用信用卡，并且充分的利用了信用卡的不同特点和功能。由于信用卡产业正逐渐成为推动我国社会主义经济发展不可或缺的重要动力，这也促使信用卡产业在我国市场经济中占据的地位日益重要，这必然会导致信用卡风险的增加，我国信用卡的发展需要面临更为严峻的挑战。因而，有效地防范和控制信用卡的风险便表现得尤为重要。通过对交通银行信用卡风险的研究与分析，从对业务风险角度到全面的风险管理，对于建立全面的风险预警与防控措施，完善信用卡法律法规等都具有巨大影响，对于银行业信用卡服务的健康发展也具有重大的实际意义。本文研究了商业银行信用卡业务的现状和各种风险，主要探究了信用卡业务过程中风险的成因。本文在分析各种风险因素成因的基础上，对我银行在信用卡交易风险管理中存在的一些问题进行了综合分析。
关键词：信用卡；信用卡业务；信用卡业务风险迪士尼确认花木兰档期
高铁学生票
Analysis On The Risks and Countermeasures of Credit Card Business of Bank of Communications of China
Abstract
With the development of technology and market economy, a large number of credit cards have appeared in China. On this basis, the number of people handling credit cards has increased year by year. People are using credit cards in their daily consumption, and make full use of the different characteristics and functions of credit cards. As the credit card industry is gradually becoming an indispensable driving force to promote the development of China's socialist economy, it also promotes the increasingly important position of the credit card industry in China's market economy, which will inevitably lead to the increase of credit card risk, and the development of China's credit card needs to face more severe challenges. Therefore, it is particularly important to effectively prevent and control the risk of credit card. Through the research and analysis of the credit card risk of Bank of communications, from the perspective of business risk to comprehensive r李成敏工作女郎抖胸
isk management, it has a great impact on the establishment of comprehensive risk early warning and prevention measures, the improvement of credit card laws and regulations, and also has great practical significance for the healthy development of credit card services in the banking industry. This paper studies the current situation and various risks of credit card business of commercial banks, and mainly explores the causes of risks in the process of credit card business. Based on the analysis of the causes of various risk factors, this paper makes a comprehensive analysis of some problems existing in the credit card transaction risk management of our bank.
Keywords：Credit Cards;Credit card business;Credit Card Business Risk
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