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摘要我国信用卡业务发展迅速，每年都发行大量的信用卡，其中也有越来越多的商业银行从事信用卡业务，由此可以看出我国信用卡业务的发展潜力是巨大的。但信用卡业务在中国发展良好的同时也产生了大量关于信用卡的风险。比如利用网络进行信用卡诈骗，盗取他人信息骗取他人财务以及客户到期未能及时还清信用卡所透支的款项等。因此商业银行信用卡风险与防范对策便成了本文的研究课题。本文首先介绍了研究的背景及意义，解释了研究的相关概念，了解了国内外文献的研究现状，然后介绍了信用卡风险管理的现状及相关问题，随后便对这些问题的成因进行了简单的分析。之后选取了关于信用卡客户的数据及资料，对资料进行了整理分类，对选取的数据用指标来代替，通过在使用logistic回归分析法来对所收集的数据进行回归分析，在根据所回归出的数据进行一个简单的分析，最后得出相关结论，为发卡银行是否应该讲信用卡批给申请的客户提供一些简单的参考。最后在综合前文研究的基础上,提出进一步完善我国信用卡信用风险管理的对策建议，并作相关总结。论文的不足之处体现在文章结构比较单一，数据来源比较有限，有些问题的论述还欠缺理论深度，需要在今后的研究中加以注意改正。42299
毕业论文关键词：商业银行；信用卡；风险；对策
Commercial bank credit risk and prevention countermeasures
Abstract
Credit card business has developed rapidly in our country, a lot of CARDS every year, there are more and more commercial Banks to engage in credit card business, thus it can be seen that the development of credit card business in China the potential is huge. But the credit card business in China to develop good also produced a lot about the risk of credit card. Such as the use of network to carry on the credit card fraud, theft financial information to defraud others, etc. Therefore, commercial bank credit risk and prevention countermeasures has become a research topic of this article. This paper first introduces the research background and significance, explains the relevant concepts of the research, understand the present status of domestic and foreign literature research, then introduces the status of credit card risk management and related problems, then has carried on the simple analysis of the cause of these problems. And then select the data and information about credit card customers, has carried on the classification of information, instead of selecting data with indexes, through the use of logistic regression analysis in eviews regression analysis was carried out on the collected data, according to the regression of data on a simple analysis of the relevant conclusions, to the issuing bank should the credit card number to apply for customers to provide some simple reference. Finally on the basis of the comprehensive above study, this paper puts forward to further improve the countermeasures of our country's credit risk management, and the relevant summary. Deficiency is embodied in the article paper structure is unitary, the data sources are limited, some problems still lack of theoretical depth, need to pay attention to correct in the future research.
Key Words:Commercial bank credit risk countermeasures
目 录
摘 要 I
Abstract II
目 录 III
一 导论 1
（一）研究背景与意义 1
（二）国内外研究文献综述 2
二 商业银行信用卡风险管理现状问题及原因分析