中美信用卡业务风险管理比较及启示

A Comparative Study of the Sino-US Credit Card Service Risk Management

中国和美国在信用卡的内部风险管理和外部环境方面有所不同,美国在信用卡风险管理的成功经验,对中国信用卡风险管理有借鉴意义。应从处理好风险与效益的关系、建立客户评价体制、建立专业化管理团队、加强业界联合、加强个人征信体系建设、营造良好的法律环境等方面,改进中国的信用卡风险管理。

China differs from the US in credit card＇ s internal risk management and external environment. The successful experience in the US credit card risk management gives enlightenment to the Chinese credit card risk management. To improve China’s credit card risk management,China needs to properly handle the relationship between risk and profit,to establish the customer appraisal system and specialized management team. Moreover,the construction of individual credit system needs to be strengthened and a good legal environment to be built.