| 基于"资金池"设想的信用卡监管模式研究 |
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| 引用本文： | 辛一.基于"资金池"设想的信用卡监管模式研究[J].上海金融,2008(9). |
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| 作者姓名： | 辛一 |
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| 作者单位： | 上海金融学院,上海,201209 |
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| 摘 要： | 信用卡业务的高利润,引发了激烈同业竞争,风险也接踵而至。本文基于以独立经济实体为单位的客户"资金池"创新结构设想,构建客户群体分类、行为规则预判和事中风险监控为主的三位一体监管模式,提高信用卡风险防范能力。
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| 关 键 词： | 资金池 客户群体聚类挖掘 P2DR 信用卡风险防范 |
Credit Card Administrative Mode under Fund Pool Assumption |
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| Xin Yi.Credit Card Administrative Mode under Fund Pool Assumption[J].Shanghai Finance,2008(9). |
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| Authors: | Xin Yi |
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| Abstract: | High profit of credit card business results in fierce competition,which consequently induces high risk.The article proposes an innovative structure of respective fund pool from individual client,and constructs a trinity regulation mode under this assumption,in order to enhance the risk-prevention ability of credit cards. |
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| Keywords: | Fund Pool Cluster Mining P2DR Risk Prevention of Credit Card |
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