我国商业银行信用卡业务风险管理问题探讨

摘要

The credit card business is a relatively new business of commercial banks in China,but also the coexistence of a high-risk and high-yield business.In recent years,the credit card business of commercial banks in China has been rapid development,and has become a new profit growth point of commercial banks.However,with the continuous development of the credit card business,its risk is gradually exposed to great harm to commercial banks,and the loss can not be ignored.Therefore,commercial banks how to effectively manage the risks of credit card business is particularly important.%信用卡业务是我国商业银行一项比较新兴的业务,也是一项高风险与高收益并存的业务。近年来,我国商业银行的信用卡业务得到了快速的发展,并已成为各家商业银行新的利润增长点。但是,随着信用卡业务的不断发展,其风险也逐渐暴露出来,对商业银行的危害性极大,造成的损失也不容忽视。因此,商业银行如何有效地对信用卡业务风险进行管理尤为重要。