信用卡信用风险的金融监管  

Financial supervision on the credit risk of credit card

作　　者：李忠民[1] 李坤坤[1] 

机构地区：[1]陕西师范大学国际商学院,陕西西安710062

出　　处：《西安邮电学院学报》2010年第2期56-59,共4页Journal of Xi'an Institute of Posts and Telecommunications

基　　金："陕西师范大学"211工程"三期重点学科建设项目

摘　　要：信用卡业务是银行中间业务的重要环节,因为其高风险、高收益的特征,其风险管理一直是学者的研究焦点。通过信用卡套现的现象,指出信用卡在交易环节信用风险的监管缺失,分析现有信用卡风险监管的问题,提出建立一套信息共享的运作模式来实现对交易环节潜在信用风险的管理,并指出下一步的研究方向。Credit card is one of the main income resources of bank intermediary service.Because of its characteristics of high risk and high benefit,the financial regulation of credit card has been the focus of researchers.For the phenomenon of credit card monetizing,this paper points that there lacks supervision on credit risk during the trade process of credit card,and analyses problems of current regulation system.It suggests to set up a series of information sharing mode to achieve potential credit risk management...

关 键 词：信用卡套现 信用风险 信息共享 

分 类 号：F832.2[经济管理—金融学]