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当前我国商业银行信用卡业务风险管理浅析
摘要：信用卡业务是一项高收益与高风险并重的业务，我国信用卡行业在近几年得到了突飞猛进的发展，信用卡逐渐成为商业银行的一种新型盈利手段。随着我国商业银行信用卡业务的发展，信用卡风险发生的频率越来越高，造成的损失也越来越大，因此对信用卡的风险管理尤为重要。本文对我国商业银行信用卡业务发展状况及其风险管理的必要性进行分析, 根据在信用卡发行、使用、结算的诸多环节存在的风险，提出我国商业银行信用卡业务风险管理的途径。
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At present, China's commercial banks, credit card business of risk management

Abstract: The credit card business is a high-yield and high-risk business of attaching equal importance to China's credit card industry in recent years has been the rapid development of commercial bank credit has gradually become a new means of profit. As China's commercial banks, credit card business, credit risk are more frequent occurrence, resulting in greater and greater losses, so the credit card risk management is particularly important. In this paper, the Commercial Bank of China's credit card business development and the need for risk management analysis, based on credit card issuance, use, clearing the many aspects of risk and put forward China's commercial banks credit card business risk management.