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银行卡以其便捷、安全、实用而深受人们喜爱,刷卡消费、转账、汇兑、交费等已经成为比较普及的金融服务形式,因此,我国信用卡的发行量持续放量高攀。截止2008年底,全国经银行发 相似文献
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目前在国外,信用卡以其高盈利性成为已成为各家银行最重要的中间业务收入来源,而我国信用卡盈利性还很低,整体还处于亏损状态。通过对信用卡盈利结构进行剖析,并同美国发达的信用卡业务相比较,对提高信用卡收入,降低信用卡成本的各个环节做出了说明,并对进一步完善当前信用卡市场提出了政策建议。 相似文献
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周红 《现代营销(创富信息版)》2012,(5):116
近年来,中国信用卡发卡量呈现一种"井喷式"增长。但信用卡风险发生的频率也伴随着发卡量的上升而上升,进而导致的损失也越来越大。因此,认真研究信用卡欺诈的成因及控制对策是各商业银行在追求多发卡的同时应该着重考虑和解决的问题。 相似文献
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信用卡逐步走进我们的生活,它的使用渠道和方式已非常广泛.然而,信用卡的伪冒欺诈风险,近些年严重影响了持卡人的用卡安全,阻碍了信用卡行业的长期发展.本文围绕着信用卡伪冒欺诈风险的基本定义,对伪冒欺诈风险的特点和形成原因进行一定的分析,并提出预防此类风险的措施和卡片使用的一些建议. 相似文献
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我国商业银行信用卡风险管理研究 总被引:1,自引:0,他引:1
一、我国信用卡业务风险现状(一)信用风险整体指标较低与国外发达国家以及港台地区信用卡风险指标相比,我国大陆地区发卡银行信用卡的信用风险整体水平不高,大大低于同业的水平。其中主要原因有宏观经济的快速增长、居民可支配收入增加、信用卡在国内支付结算比例也逐渐增加和透支余额逐年快速上升等。相比之下,延滞账户透支余额和损失账户透支余额增长比例不大。居民的信用卡消费意识并未完全形成,传统的先存再用的借记卡、储蓄账户的金融理念仍然被大多数人认可,因此,对透支消费缺乏动力,而且信用卡高企的透支利率也是持卡人倾向于在免息期内还款。 相似文献
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信用卡风险是指在信用卡业务经营管理过程中,因各种不利因素而导致的发卡机构、持卡人、特约商户三方损失的可能性。各方能否清楚认识到自身所面临的信用卡风险并针对性的采取防控措施,对减少信用卡纠纷案件数量和信用卡产业的健康发展将有着至关重要的作用。将分别从银行、持卡人、商户三方阐述信用卡风险以及成因分析,最后针对这些问题,给出一点建议。 相似文献
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2011年3月22日,浙江好梦来集团董事长葛国强在农业银行浙江省分行信用卡中心拿到了一只真皮礼盒。盒子里是一张黑色的金穗白金卡,这是这位企业家今年新办的银行信用卡,无意间,他也成为了金穗·浙江企业家卡的第一个持卡人。 相似文献
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信用卡具有储蓄、支付、结算、信贷的功能。现在很多人都持有信用卡。作为信用卡持有者,面对花花绿绿各色各样的银行卡片,如何将其用至极致呢?一、区分不同的银行卡种类各商业银行发行的银行卡一般有储蓄卡、借记卡、贷记卡三种,每种银行卡下又衍生出不同专属功能的种类,还有多种多样的联名卡,区分这些银行卡的基本差别就尤显必要。储蓄卡具备银行存折的一切功能,同时还可以直接到消费商家划卡消费;借记卡是一次或几次存入款项,并在存入 相似文献
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Michael J. Gootzeit 《Metroeconomica》1993,44(2):146-166
The credit cycle implicit in Wicksell's upward cumulative process (UCP) is described. UCP may be interpreted as a stable cycle with two phases and an upper turning point corresponding to the maximum 2-rate-differential. The volume of credit and the rate of inflation is shown to expand in phase 1 and to contract in phase 2. The role of velocity increasing in causing a higher inflation rate is also described. This cycle has not been noticed in the literature because Lectures(2) was unclear about how long it would take to reach an upper turning point. But, Interest and Prices emphasized that the continuous return of the inflation rate to zero equilibrium would begin after a relatively short period. 相似文献
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Many embedded options are difficult to value the wild card option in the Treasury bond futures contract is one of these embedded options. We illustrate how narrow theoretical bounds on the value of this option, relative to the price of the contract, may be obtained in the presence of other embedded options. Simulations suggest that the value of the wild card option is close to zero. This implies that, in this economy, a simpler pricing model of the Treasury bond futures contract, which ignores the wild card option, will result in only a small loss of accuracy. 相似文献
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国际贸易信用风险管理 总被引:5,自引:0,他引:5
随着中国经济的快速发展以及社会主义市场经济体制的不断完善,中国对信用的需求进一步扩大,尽早建立有中国特色符合国际惯例的信用体系呼声趋高。日前,第二届中国信用和风险管理大会在上海召开,希望专家们的观点能对中国企业在扩大对外经济贸易和对外合作方面有所帮助。[编者按] 相似文献
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过去30余年里,中国经济以年均两位数的增速,创造了一个所谓的"中国奇迹"。不过从近年新一轮景气增长呈现特点看,我们可能要告别长期习以为常的两位数经济增长率。 相似文献
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LARGE DEVIATIONS IN MULTIFACTOR PORTFOLIO CREDIT RISK 总被引:2,自引:0,他引:2
The measurement of portfolio credit risk focuses on rare but significant large-loss events. This paper investigates rare event asymptotics for the loss distribution in the widely used Gaussian copula model of portfolio credit risk. We establish logarithmic limits for the tail of the loss distribution in two limiting regimes. The first limit examines the tail of the loss distribution at increasingly high loss thresholds; the second limiting regime is based on letting the individual loss probabilities decrease toward zero. Both limits are also based on letting the size of the portfolio increase. Our analysis reveals a qualitative distinction between the two cases: in the rare-default regime, the tail of the loss distribution decreases exponentially, but in the large-threshold regime the decay is consistent with a power law. This indicates that the dependence between defaults imposed by the Gaussian copula is qualitatively different for portfolios of high-quality and lower-quality credits. 相似文献
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A GENERAL FRAMEWORK FOR PRICING CREDIT RISK 总被引:1,自引:0,他引:1
A framework is provided for pricing derivatives on defaultable bonds and other credit-risky contingent claims. The framework is in the spirit of reduced-form models, but extends these models to include the case that default can occur only at specific times, such as coupon payment dates. Although the framework does not provide an efficient setting for obtaining results about structural models, it is sufficiently general to include most structural models, and thereby highlights the commonality between reduced-form and structural models. Within the general framework, multiple recovery conventions for contingent claims are considered: recovery of a fraction of par, recovery of a fraction of a no-default version of the same claim, and recovery of a fraction of the pre-default value of the claim. A stochastic-integral representation for credit-risky contingent claims is provided, and the integrand for the credit exposure part of this representation is identified. In the case of intensity-based, reduced-form models, credit spread and credit-risky term structure are studied. 相似文献
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In this paper, we present a model of an economy with household debt, and discuss the conditions under which financial fragility arises. Financial instability is driven by distributive effects. In addition to the income transfers associated with interest payments, the accumulation of debt feeds back with the distribution of income between labour and capital. The model also gives a central role to banks and credit rationing. Contrary to the existing literature, credit supply does not depend on the characteristics of borrowers, but on those of banks. There is a feedback channel between the health of the financial system and the quantity of credit in the economy. We show that there is a diversity of channels through which financial fragility may arise. We identify three channels: a debt–deflation effect à la Fisher, a credit‐financed consumption boom and an exhilarating debt effect. 相似文献