防范信用卡风险的思考

Reflections on Taking Precautions Against the Credit Card Risk

信用卡集消费、转帐、储蓄信贷等功能于一体 ,与传统的金融业务相比 ,属于一种高投入、高风险、高受益的新型业务。随着信用卡业务的发展 ,在其运营过程中必然会存在着风险 ,且贯穿于信用卡发行、使用、支付的各个环节 ,并涉及到发卡银行、物约商户和持卡人等诸多方面。

The credit card, which can be used as consumption, transfer, savings and loan, is a new kind of business with a high cost, a big risk and a more benefit. As to the development of the credit card, there are many risks when it is issued, used and paied. Therefore, the author holds that the risk management of the credit card should be taken seriously.