1、济南大学毕业论文 - 1 - 摘 要 改革开放以来,中国经济迅速发展,居民消费水平不断增强,对外交流也日渐加 剧。随着金融自由化、金融衍生工具的不断发展，近年来我国商业银行信用卡市场发 展速度非常迅猛，从 2003 年我国信用卡业务起步至今，每年的发卡量均增长 80%以 上。信用卡作为一种现代化、大众化的金融产品，其迅速发展一方面越来越受到市场 和客户的普遍欢迎，另一方面，由于受多种因素的影响，商业银行在信用卡业务发张 过程中，面临的未知风险也越来越大。目前，我国商业银行内部对于信用卡风险管理 的理念和技术相对落后，而信用卡风险管理的外部环境也不健全。因此，商业银行信 用卡风险管理应站在整体高
2、度， 系统了解信用卡风险特征、 风险业务现状与形成原因， 全面树立风险管理理念，坚持内部严格管理与构建完善的外部环境相结合，来提高我 国信用卡风险管理水平，促进信用卡业务健康发展，带动金融行业稳步前进。 关键词：信用卡；信用卡风险；信用卡风险管理 济南大学毕业论文 - 2 - ABSTRACT Since the reform and opening up, Chinas rapid economic development, the residents consumption level unceasingly strengthens, foreign exchange increasing
3、ly intensified. With the financial liberalization, the continuous development of financial derivatives in recent years, our country commercial bank credit card market development speed very fast, from our 2003 credit card business started a year since more than 80% of the country are growing. Credit
4、 card as a modern, popular financial product, its rapid development on one hand has been more and more popular in market and customers, on the other hand, affected by many kinds of factors, commercial Banks in credit card business, send a process of unknown risk facing more and more is also big. At present, Chinas commercial Banks internal to credit card risk management concepts and technology is relatively backward, and the external environment of credit risk management is not perfect. So,
