从“万事达卡”事件看信用卡风险防范机制

On Mechanism of Risk Prevention of the Credit Card from the Case of Master Card

伴随信息技术的飞速发展和技术专业化的要求,信用卡数据处理外包服务已成为商业银行长期战略成本管理的新兴工具,逐渐被越来越多的商业银行所采用。面对国内蓬勃发展的信用卡市场,如何有效利用外包服务带来的高效率,同时防范信用卡风险至关重要。本文首先从经济学角度探讨采用信用卡外包服务带来的高效率与较优的安全性,并指出采用信用卡外包服务可能带来的风险以及我国商业银行信用卡业务防范外包风险的服务外包策略。

With the rapid development of the information technology and the specialization of the technology, the outsourcing of the data processing of the credit card has been the new tool to manage the cost of the Banks and has been used by many banks. To face the market of the credit card which has been developed full of vitality in China, it is important to make good use of the high efficiency which is brought out by outsourcing and to prevent the risk of the credit card. The paper discusses the high efficiency and the security which is brought out by the outsourcing from the point of the view in economics, and point out the possibility of the risk by the outsourcing, and suggest the strategy of the banks in China how to prevent the risk.