商业银行信用卡业务发展与风险管理

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。

The Risk Management and Business Development of the Credit Card

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, eonsmnption 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.