技术经济与管理研究
技術經濟與管理研究
기술경제여관리연구
TECHNOECONOMICS & MANAGEMENT RESEARCH
2014年
2期
62-66
,共5页
商业银行%信用卡发行%信用风险%风险管理
商業銀行%信用卡髮行%信用風險%風險管理
상업은행%신용잡발행%신용풍험%풍험관리
Commercial Banks%Credit card issuers%Credit risk%Risk management
回顾信用卡业务在我国的发展历程、分析信用卡业务的发展现状，不难发现中国已成为全球信用卡业务增长最快、发展潜力最大的市场。作为未来消费信贷的重要增长点，在金融行业民间资本准入制度的放开、全球化进程不断深入、移动互联快速普及的大数据时代，民间资本、外资银行对信用卡业务的广泛渗透，以及互联网金融的创新发展，必将导致国内信用卡业务参与方关系日趋复杂，信用卡市场竞争日趋激烈。因此，信用卡业务发展过程中所面临的问题及发行风险不容忽视。文中采用行为概率及效用函数的方法对信用卡消费行为进行博弈分析，应用行为分析的结果，对信用卡业务中诸如个人信用登记评估制度，发卡机构营销、审批机制和产品附加值，消费管理和奖惩制度及法律法规制定等相关问题进行了剖析，系统分析了银行信用卡发行过程中的风险，并对信用卡市场的健康发展提出了几点建议。
迴顧信用卡業務在我國的髮展歷程、分析信用卡業務的髮展現狀，不難髮現中國已成為全毬信用卡業務增長最快、髮展潛力最大的市場。作為未來消費信貸的重要增長點，在金融行業民間資本準入製度的放開、全毬化進程不斷深入、移動互聯快速普及的大數據時代，民間資本、外資銀行對信用卡業務的廣汎滲透，以及互聯網金融的創新髮展，必將導緻國內信用卡業務參與方關繫日趨複雜，信用卡市場競爭日趨激烈。因此，信用卡業務髮展過程中所麵臨的問題及髮行風險不容忽視。文中採用行為概率及效用函數的方法對信用卡消費行為進行博弈分析，應用行為分析的結果，對信用卡業務中諸如箇人信用登記評估製度，髮卡機構營銷、審批機製和產品附加值，消費管理和獎懲製度及法律法規製定等相關問題進行瞭剖析，繫統分析瞭銀行信用卡髮行過程中的風險，併對信用卡市場的健康髮展提齣瞭幾點建議。
회고신용잡업무재아국적발전역정、분석신용잡업무적발전현상，불난발현중국이성위전구신용잡업무증장최쾌、발전잠력최대적시장。작위미래소비신대적중요증장점，재금융행업민간자본준입제도적방개、전구화진정불단심입、이동호련쾌속보급적대수거시대，민간자본、외자은행대신용잡업무적엄범삼투，이급호련망금융적창신발전，필장도치국내신용잡업무삼여방관계일추복잡，신용잡시장경쟁일추격렬。인차，신용잡업무발전과정중소면림적문제급발행풍험불용홀시。문중채용행위개솔급효용함수적방법대신용잡소비행위진행박혁분석，응용행위분석적결과，대신용잡업무중제여개인신용등기평고제도，발잡궤구영소、심비궤제화산품부가치，소비관리화장징제도급법율법규제정등상관문제진행료부석，계통분석료은행신용잡발행과정중적풍험，병대신용잡시장적건강발전제출료궤점건의。
In order to analyze the risk of the credit card in a systematic way, the probability of certain action and utility fu-nction are used in the paper. According to the review of the development of domestic credit card business and market , it's not difficult to know that China has been the most worthy market in global credit card business. As a significant growing point , with the admittance of private capital to the financial industry, as well as foreign banks' infiltration during the financial globalization, the competition in the credit card business will be more and more fierce. Moreover, in the big data background, the rapid popu-larization of the mobile Internet and the development of the Internet finance will make the relationships among the participants of the credit card business become more and more complicated. Therefore , the problem and potential risk during the business devel-opment is discussed.Through the illustration of the consumption using credit cards , the most probable condition is obtained when a customer would like to repay the loan on time. Moreover, the individual credit rating system, marketing and approval mechanism, the added value of the credit card, encouragement and penalty regulations, consumption management and some relative angles are considered to solve the problem of credit card's risk. Several suggestions for market operation are given in the end.
