我国商业银行信用卡业务风险的法律成因及防范措施

中国入世以来,金融业得到稳定发展。随着我国金融市场的不断发展和人们消费观念的不断转变,信用卡已成为公众消费的重要工具,不仅商业银行信用卡发卡数量急速增长,信用卡的持卡人数也急速增多,信用卡业务的负面影响和风险也逐渐暴露,如信用卡犯罪频率逐渐提升,造成的损失也越来越大。因此,本文从法律角度分析我国商业银行信用卡业务存在的风险,并在此基础上提出相应的风险防范措施,积极推动信用卡业务的健康发展。

Since China joined WTO, the financial industry has developed steadily. With the continuous development of China＇ s finaneial market and the continuous transformation of people＇ s consumption concepts, credit cards have become an important tool for public consumption. Not only the number of credit card issuances of commercial banks has increased rapidly, but the number of cardholders of credit cards has also increased rapidly. However, accompanying them, The risk of credit card business is gradually exposed, and the negative ＇impact of its risk is also growing. Not only the use of credit card crimes is getting higher and higher, but the losses caused by it are also increasing. Therefore, this article will analyze the risks of China＇s commereial bank credit eard business fiom the legal point of view, and put forward corresponding risk prevention measures based on this, and actively promote the healthy development of credit card business.