基于信用评分技术的信用卡风险管理策略

The Strategies for Credit Card Risk Management Based on the Credit Scoring Technology

从现代信用卡的风险因素分析出发,发现信用卡风险主要有信用风险、欺诈风险、操作风险和经济周期风险构成。据此特点,信用评分技术在欧美发达国家信用卡生命周期管理中已经具有举足轻重的地位,它为银行有效开拓市场、控制风险和挖掘收益提供了技术保障,同时也正是由于其在制定信用卡经营发展战略时高效性而受到了广泛的应用。结合目前的发展现状,提出几点有关现代信用卡的风险管理策略。

this paper begin with the risk factors analysis of modem credit card. We find that the credit card risk consist of credit risk, fraud risk, operation risk and business cycle risk. According to this characteristic, the credit scoring technology.has a important role in life cycle management in developed countries. It provides technologic warranty for bank exploiting market, controlling risks and excavating income. It was also came in for broad application owing to aiding to constitute credit card operation development tactic. Integrated industry＇s development actuality recently, we put forward some risk management tactics about modem credit card.