首頁 >  資料專欄 >  經營 >  管理專題 >  風險管理 >  MBA碩士畢業論文_J行HB分行信用卡風險管理研究DOC

MBA碩士畢業論文_J行HB分行信用卡風險管理研究DOC

資料大小:917KB(壓縮后)
文檔格式:DOC
資料語言:中文版/英文版/日文版
支持系統:Win9X/XP/Vista/7/8/10
解壓密碼:m448
更新時間:2020-9-21

類型:金牌資料
積分:--
推薦:升級會員

   ==>> 點擊下載文檔


相關下載
推薦資料
內容簡介
隨著國內經濟的持續發展,人民生活水平日漸提高,極大地推動了消費的增長。信用 卡的出現一方面給消費者的消費需求提供了便利,另一方面也給銀行帶來了巨大的利潤。 然而由于缺少對信用卡風險的管控措施,有些銀行在信用卡風險管理方面遇到了一些問題。 如何提升銀行風險管控,是保證國內商業銀行信用卡業務盈利的前提,因此論文選題具有 極強的現實意義。 本文以 J 行 HB 分行信用卡風險監控管理為例,對如何提升整個銀行業信用卡管理質量 這一問題進行研究,并提出有針對性的對策和建議,以提供持續,健康發展和競爭力的商 業銀行信用卡業務的參考。 本文共分為五章。第一章為緒論,詳細闡述了論文的選題背景、研究目的、重要性、 國內外研究現狀、結構與研究方法。第二章主要綜述信用卡風險的一系列理論,包括信用 卡的概念以及信用卡管理的概念、目標、流程和原則。第三章介紹了 J 行 HB 分行信用卡風 險管理現狀,包括該行信用卡業務基本情況和該行風險管理的組織體系、運作流程、技術 手段和人員素質。第四章分析了信用卡風險管理存在的問題和成因。目前在信用卡的審核 期缺乏標準化,盲目擴張的客戶數量的;風險管理機制,客戶管理周期是不完善的,反欺詐 預警監控機制缺失;貸后管理期存在壞賬催收困難,呆賬核銷成本高效率低。其原因在沒 能形成全面的信用卡風險管理理念,管理組織體系不健全,還有風險管理的技術水平不先 進等。第五章提出了完善 J 行 HB 分行信用卡風險管理的對策建議,要加強信用卡管理人員 的素質和組織建設,理順信用卡風險管理組織體系;事前對某些高危行業信用卡申請人應 該加強審核,構建不良信用客戶信息庫,完善審批程序;事中要完善風險動態監測,做好 信用卡異常交易風險排査,嚴格核定授信額度;貸后要建立健全有效的績效考核機制,適 時調整催收政策。另外,還需創新風險管理技術手段。 關鍵詞:商業銀行 信用卡 風險管理IV Abstract With the gradual improvement of the economy, people , s living standard have been greatly raised,which also promoted the increase of consumption. On the one hand, credit CARDS provide for consumption demand, and on the other hand, they bring huge profits to Banks. However, due to lack of control measures on credit card risk, some Banks have encountered some problems in risk management. How to improve the risk control is the premise to guarantee the profit of the credit card business of domestic commercial Banks, so the topic selection is of great realistic significance. In this paper, the credit risk monitoring management of HB branch of J bank is used to study how to improve the management quality of the whole bank, and then some targeted suggestions are put forward to provide a reference for commercial Banks can more sustainable, healthy development and improve competitiveness. The paper is divided into five chapters. The first chapter is the introduction,it elaborates the topic background, research purpose, importance, domestic and foreign research status, structure and research methods. The second chapter focuses on a series of theories, including the concept of credit card and the concept, goal, process and principle of credit card management. The third chapter introduces the HB branch of J Bank’s credit card risk management present situation, the basic information including the bank credit card business and the bank risk management organization system, operation process, technology and personnel quality. The fourth chapter analyzes the problems and causes of credit card risk management.The operation of credit card review period is lack of standard, blindly expand the number of customers; The risk quota management mechanism of the account management period lacks the anti-fraud early warning and monitoring mechanism; After the loan management period, there are difficulties in the collection of bad debts and the low efficiency of the cost. The reason lies in the lack of comprehensive credit card risk management concept, incomplete risk management organization system, advanced risk management technology, lagging external environment construction, etc.The fifth chapter puts forward the suggestions to improve the credit card risk management of HB branch of J bank, so as to strengthen the quality and organization construction of credit card management personnel, and straighten out the credit card risk management organization system;V In advance, credit card applicants in some high-risk industries should be strengthen the audit,we should build up the bad credit customer information bank, and improve the examination and approval procedures; In the event, we should improve the risk dynamic monitoring, do a good job of checking the risk of abnormal credit card transactions, and strictly check the credit line; After the loan, we should establish effective performance appraisal mechanism and adjust the collection strategy. In addition, it is necessary to innovate the technology of credit card risk management to perfect the national personal credit system and relevant laws and regulations. Key words:commercial bank, credit card, risk managementVI 目 錄 摘要.....................................................................................................................................III Abstract...................................................................................................................................IV 目 錄.......................................................................................................................................VI 1 緒 論...................................................................................................................................1 1.1 選題背景.......................................................................................................................1 1.2 選題意義.......................................................................................................................3 1.3 國內外研究現狀...........................................................................................................4 1.3.1 國外相關研究文獻綜述........................................................................................4 1.3.2 國內相關研究文獻綜述.......................................................................................5 1.4 研究目標和內容...........................................................................................................7 1.5 研究方法.......................................................................................................................8 2 信用卡風險及風險管理的相關概念和理論.......................................................................9 2.1 信用卡風險相關概念和理論.......................................................................................9 2.1.1 信用卡風險的概念................................................................................................9 2.1.2 信用卡風險的種類..............................................................................................10 2.1.3 信用卡風險的特點..............................................................................................12 2.1.4 信用卡風險產生的理論......................................................................................13 2.2 信用卡風險管理概念及相關理論.............................................................................13 2.2.1 信用卡風險管理的概念......................................................................................13 2.2.2 信用卡風險管理的目標及流程..........................................................................14 2.2.3 信用卡風險管理的原則......................................................................................16 3 J 行 HB 分行信用卡風險管理的現狀分析........................................................................17 3.1 J 行 HB 分行信用卡業務基本情況............................................................................17 3.1.1 客戶數量發卡規模持續增長..............................................................................17 3.1.2 業務總量資產質量不斷提高..............................................................................17 3.1.3 業務收入穩步提高..............................................................................................18VII 3.1.4 風險控制能力明顯加強......................................................................................18 3.2 J 行 HB 分行信用卡風險管理分析............................................................................18 3.2.1 風險管理組織體系..............................................................................................18 3.2.2 風險管理運作......................................................................................................19 3.2.3 風險管理技術手段..............................................................................................20 4 J 行 HB 分行信用卡風險管理存在的問題及原因............................................................22 4.1 J 行 HB 分行信用卡風險管理存在問題....................................................................22 4.1.1 操作不規范盲目拓客..........................................................................................22 4.1.2 額度管理反欺詐預警監控機制缺失..................................................................23 4.1.3 呆賬核銷不及時..................................................................................................24 4.2 J 行 HB 分行信用卡風險管理存在問題的原因........................................................24 4.2.1 尚未形成全面的信用卡風險管理理念..............................................................25 4.2.2 信用卡風險管理組織體系不健全......................................................................26 4.2.3 信用卡風險管理技術滯后..................................................................................26 4.2.4 信用卡業務發展外部環境建設滯后..................................................................27 5 完善 J 行 HB 分行信用卡風險管理的對策.......................................................................28 5.1 構建信用卡風險管理體系.........................................................................................28 5.1.1 風險識別及評估..................................................................................................28 5.1.2 加強信用卡事中風險動態監測..........................................................................29 5.1.3 優化信用卡貸后管理..........................................................................................31 5.2 建立信用卡風險管理的保障措施.............................................................................31 5.2.1 建立信用卡風險管理組織..................................................................................31 5.2.2 提高人員素質加強考核力度..............................................................................32 5.2.3 創新信用卡風險管理技術手段..........................................................................32 結 語.........................................................................................................................................34
国产线精品视频在线观看