我国商业银行信用卡业务风险管理浅析

Thinking about the Risk Management of Commercial Bank's Credit Card Business

本文首先对我国商业银行信用卡业务的盈利模式进行介绍分析,然后分别从影响利润和费用的风险因素的角度对我国银行信用卡业务的风险管理进行分析,提出现阶段可以通过严格划分目标客户群、完善客户服务体系、对客户信息进行实时监督、采取合理的筹资管理等途径来提高我国商业银行信用卡业务的风险管理水平,进而缩小我国银行业信用卡业务与外国银行业信用卡业务的差距。

This paper firstly introduce and analyze the profit mode of civil commercial banks′ business of credit card, then analyze how to manage the risk of business of credit card of civil commercial banks in the direction of the risk factor affecting profit and cost, and propose that the level of risk management can be enhanced by dividing goal client base strictly, perfecting system of customers service, monitoring information of customers and performing rational management of raising fund .