發(fā)布時(shí)間：2018-05-24 00:02

  本文選題：信用卡 + 信用卡風(fēng)險(xiǎn)　； 參考：《華北電力大學(xué)》2015年碩士論文

【摘要】：信用卡的出現(xiàn)極大的改變了社會(huì)交易的方式。信用交易是市場(chǎng)經(jīng)濟(jì)高度發(fā)達(dá)的必然產(chǎn)物和內(nèi)在要求,信用卡作為信用交易的重要載體,成為現(xiàn)在貨幣體系的重要延伸。在市場(chǎng)經(jīng)濟(jì)成熟的歐美市場(chǎng),依托健全的信用體系和強(qiáng)大的信息技術(shù),信用卡已經(jīng)成為普遍使用的支付工具和融資渠道。與西方國家相比,近幾年我國的信用卡行業(yè)從稚嫩走向成熟,已然融入到人們的日常生活當(dāng)中,尤其是在經(jīng)濟(jì)發(fā)達(dá)地區(qū),信用卡憑借其方便、安全、靈活的特性逐漸成為日常支付的重要手段,有效提高了個(gè)人融資的效率,并給發(fā)卡機(jī)構(gòu)、商戶以及國家稅收都帶來了收益。但與此同時(shí),在信用卡發(fā)展的過程中面臨著諸多的挑戰(zhàn)和風(fēng)險(xiǎn),對(duì)于信用卡相關(guān)的各個(gè)機(jī)構(gòu)和個(gè)人都存在著一定程度的風(fēng)險(xiǎn)。作為一個(gè)朝陽產(chǎn)業(yè),其發(fā)展推動(dòng)力主要來自于內(nèi)部,但是從其對(duì)整個(gè)社會(huì)的影響來看,信用卡風(fēng)險(xiǎn)監(jiān)管與防范、信用卡行業(yè)健康有序地發(fā)展并且發(fā)揮良好社會(huì)功效需要加強(qiáng)制度引導(dǎo)和監(jiān)管。當(dāng)前需要完善政府監(jiān)管法律法規(guī),建立權(quán)威的信用卡風(fēng)險(xiǎn)監(jiān)管組織機(jī)構(gòu)以及風(fēng)險(xiǎn)監(jiān)管體系。我國商業(yè)銀行信用卡風(fēng)險(xiǎn)政府監(jiān)管應(yīng)從信用卡發(fā)展存在的現(xiàn)實(shí)問題出發(fā),借鑒國外信用卡風(fēng)險(xiǎn)政府監(jiān)管的有益經(jīng)驗(yàn),建立具有統(tǒng)一性、協(xié)調(diào)性及專業(yè)性的監(jiān)管組織機(jī)構(gòu),形成完善的監(jiān)管體系,從而促進(jìn)我國商業(yè)銀行信用卡行業(yè)的健康有序發(fā)展。
[Abstract]:The emergence of credit cards has greatly changed the way social transactions are conducted. Credit transaction is the inevitable outcome and inherent requirement of highly developed market economy. Credit card, as an important carrier of credit transaction, has become an important extension of the present monetary system. In the mature market of Europe and America, credit card has become a widely used payment tool and financing channel, relying on sound credit system and powerful information technology. Compared with western countries, in recent years, the credit card industry in our country has moved from immature to mature, and has been integrated into people's daily life, especially in economically developed regions, credit cards rely on their convenience and security. Flexible characteristics gradually become an important means of daily payment, effectively improve the efficiency of personal financing, and bring benefits to card issuers, merchants and the state tax. But at the same time, there are many challenges and risks in the process of credit card development. As a sunrise industry, its development impetus mainly comes from inside, but from its impact on the whole society, credit card risk supervision and prevention, Credit card industry develops healthily and orderly and exerts the good social effect needs to strengthen the system guidance and the supervision. At present, it is necessary to perfect government regulation laws and regulations, establish authoritative credit card risk supervision organization and risk supervision system. The government supervision of credit card risk in commercial banks of our country should proceed from the practical problems existing in the development of credit card, draw lessons from the beneficial experience of foreign credit card risk government supervision, and establish a unified, coordinated and professional regulatory organization. To form a sound regulatory system to promote the healthy and orderly development of China's commercial bank credit card industry.
【學(xué)位授予單位】：華北電力大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前1條

1 陸立鋒;;商業(yè)銀行信用卡風(fēng)險(xiǎn)管理與利潤增進(jìn)問題[J];新西部(下半月);2008年04期

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本文編號(hào)：1926908