摘要
随着我国改革开放的深入和金融市场的发展,商业银行的信用卡发行量迅速增长,并且已经成为银行利润的重要来源之一。但是从2008年美国次贷危机引起的全球金融海啸可以看出,银行的信贷业务深刻影响着经济的健康发展,信用卡业务中的潜在风险威胁着国民经济的稳定。本文从对我国信用卡业务发展现状的分析出发,针对信用卡的风险特点和目前信用卡风险管理中存在的问题进行了重点研究,提出了信用卡的风险防范及预警措施。
With the deepening of China’s reform and opening -up and the development of the financial markets, the number of credit cards in circulation issued by commercial banks has increased rapidly and already become one of the most important profit sources of those banks. However, it can be seen from the global financial tsunami, which was caused by the 2008 American Sub -prime Mortgage Crisis, that the banks＇ credit businesses profoundly impact on the sound economic development and the potential risks in credit card business are threatening the stability of national economy. Based on the analysis of current situation of credit card business in China, this article mainly studies on the properties of the risks in Credit Card and the problems in managing current credit card risks and puts forward some prevention and pre-warning measures of the Credit Card.
出处
《特区经济》
北大核心
2009年第9期230-231,共2页
Special Zone Economy
关键词
信用卡
信用卡风险
商业银行
风险防范预警
Credit Card
Risks in Credit Card Business
Commercial Banks
Risk Prevention and Pre-Warning
