商业银行信用卡业务信用风险管理研究 毕业论文

哈尔滨商业大学毕业论文商业银行信用卡业务信用风险管理研究学生姓名指导教师专业金融学学院金融学院2008年6月15日HARBINUNIVERSITYOFCOMMERCEGRADUATIONTHESISTHEMANAGEMENTRESEARCHOFTHEBUSINESSCREDITRISKOFTHECOMMERCIALBANKCREDITCARDSTUDENTSUPERVISORSPECIALTYFINANCESCHOOLSCHOOLOFFINANCE20080615毕业论文任务书A1A0A3A4A2A3A6A5A4A2A8A7A9专业A10A11A12A13A14A15A16A17A18A9A19A14A20A21A22A23A24A14A25A22A23A26A27A28A29A30A31A32A17A18A33A34A35A36A9A32A17A18A33A9A22A23A24A14A25A37A38A39A40A41A42A43A40A26A27A44A45A33A14A25A46A47A48A22A23A24A21A14A49A50A51A52A53A54A55A56A57A58A59A33A60A61A46A22A23A24A62A63A64A65A19A14A20A21A33A38A66A67A68A69A70A71A72A73A74A75A76A16A33A30A31A77A78A79A22A23A24A14A25A80A22A23A26A27A81A82A33A83A17A77A74A75A79A26A27A59A21A84A85A46A44A86A23A22A23A87A88A89A68A59A21A90A91A92A93A94A46A95A96A47A48A22A23A24A14A25A60A61A97A98A77A99A100A101A102A79A47A48A19A14A20A21A22A23A24A14A25A22A23A26A27A28A29A103A104A33A105A106A107A108A21A33A28A29A109A110A73A73A32A17A35A36A9A111A112A47A48A19A14A20A21A22A23A24A14A25A33A113A114A60A61A77A115A80A33A26A27A116A117A118A111A119A120A113A77A22A23A26A27A121A42A122A123A48A124A20A21A125A33A126A127A46A128A47A48A79A22A23A26A27A33A28A29A129A130A131A49A132A133A88A134A135A72A73A136A137A74A75A76A16A33A30A31A77A138A88A134A34A87A139A140A66A89A68A33A141A142A46A65A47A48A19A14A20A21A22A23A26A27A132A91A28A29A89A68A33A143A144A101A102A145A146A73A147A148A46A100A48A149A150A151A152A153A65A30A31A79A154A46A79A97A155A156A91A89A68A49A47A48A157A23A33A158A157A133A59A21A55A107A159A88A134A46A138A128A65A47A48A19A14A20A21A22A23A26A27A132A91A28A29A101A160A89A68A161A162A77A147A148A77A163A164A47A48A97A135A72A22A23A26A27A28A29A33A97A98A46A101A102A165A166A47A48A20A21A22A23A26A27A28A29A33A145A146A73A167A168A169A170A43A171A172A173A174A9A38A105A167A168A169A170A9A49A15A16A175A176A150A77A157A177A164A100A178A167A168A169A170A9A49A16A80A122A23A179A180A16A181A148A77A169A49A182A183A38A184A185A150A186A23A109A187A188A189A127A190A140A39A191A189A177A164A192A193A73A49A149A194A150A157A177A164A100A178A167A168A169A170A9A195A169A196A88200A197A198A185A77A199A169A200A201A15A16A202A169A149A194A190A163A15A196A88A197A77A79A203A16A172A204A163A77A205A206A15A16A202A169A207A208A190A209A16A196A88A169A125A132A47A48A19A14A20A21A22A23A24A14A25A80A22A23A26A27A33A210A36A190A169A79A47A48A19A14A20A21A22A23A24A14A25A80A22A23A26A27A33A211A212A59A21A88A134A77A213A201A22A23A26A27A79A47A48A19A14A20A21A22A23A24A14A25A60A61A33A214A215A190A169A79A47A48A19A14A20A21A22A23A24A14A25A22A23A26A27A28A29A33A97A98A216A85A37A217A49A33A83A17A59A21A218A219A33A88A134A77A169A103A220A221A161A222A190A49A88A134A223A224A148A169A225A223A224A43A214A215A224A226A119A227A33A126A96A213A201A206A228A77A15A159A169A229A230A190A78A79A47A48A19A14A20A21A22A23A24A14A25A22A23A26A27A28A29A101A102A33A28A29A231A232A169A233A103A108A21A133A105A108A234A172A133A73A235A105A171A172A173A174A9A171A172A236A91A18A189A37A237A238A205A64A239A240A15A16A77A233A103A157A23A139A241A34A29A15A139A241A77A242A16A243A244A77A220A221A108A245A190A171A172A220A91A18A189A37A203A16A4915A246A197A2472A246A197A119A227A73A233A248A171A172A249A25A9A165A64A173A174A249A25A250A251A205A190A165A64A252A17A253A254A190A165A64A13A14A15A16A255A163A196A88A190A165A64A242A16A196A88A1A15A16A17A18A105A195A169A105A126A2A0A105A4A3A92A6A190A7A70A74A75A13A14A15A16A8A5A73A10A159A18A189A34A249A25A107A97A33A171A172A11A9A43A13A12A9A67A14A15A16A38A17A18A19A74A41A20A21A22A23A20A24A25A26A102A250A27A28A29A70A38A17A18A19A30A31A32A33A34A35A185A36A148A37A39A40A176A42A102A43A44A45A124A30A46A248A47A48A49A22A23A102A15A50A51A43A704A52A53A54A55A70A20A24A22A23A70A56A20A24A57A58A77A59A57A60A61A102A60A62A63A64A102A65A66A89A68A69A71A72A73A75A76A78A79A80A160A81A82A83A84A59A74A85A86A236A87A72A73A75A76A30A88A90A83A72A73A74A80A157A91A92A22A23A93A94A70A240A23A95A96A32A97A44A240A23A98A99A248A70A56A20A24A57A58A77A100A101A103A178A74A104A105A106A706A52A77A107A54A108A70A109A110A241A111A74A112A113A114A115A22A23A77A30A116A117A118A119A83A116A117A120A22A74A56A121A96A241A111A30A122A123A176A125A126A41A59A57A91A92A22A23A127A128A70A146A129A130A131A36A132A52A132A133A134A132A52A135A136A134A242A137A138A27A132A52A135A132A134A139A52A135A132A134A43A140A45A124A18A19A74A44A141A45A124A23A142A143A52A136A132A134A143A52A132A144A134A22A23A145A103A74A22A23A123A26A143A52A135A136A134A143A52A135A135A134A250A27A143A52A135A139A134A143A52A135A133A134A147A149A123A26A143A52A135A150A134A133A52A132A132A134A54A55A22A23A151A108A74A152A72A73A75A76A133A52A132A135A134A133A52A135A136A134A72A73A75A76A123A21A147A149A153A154A74A155A152A156A158A133A52A135A132A134A133A52A139A132A134A54A55A22A23A159A233A108A150A52A136A132A134A150A52A132A136A134A54A55A159A161A108A150A52A132A132A134A150A52A132A133A134A137A108A74A72A73A75A76A20A203A162A150A52A132A150A134A150A52A132A164A134A203A44A165A203A44A74A20A203A162A150A52A132A166A134A150A52A132A144A134A127A128A150A52A135A136A134A150A52A135A135A134A203A137A55A167A150A52A135A150A134A74A223A147A149A181A30A91A92A22A23A54A168A18A19A169A248A65A71A60A62A23A170A171A172A152A156A173A70A72A73A75A76A32A174A361A102A175A22A23A117A177A30A32A174A36A32A179A180A44A141A41A112A113A114A115A182A183A184A186A92A25A156A75A187A188A189A190A78A191A192A117A193A91A92A22A23A20A24A30A194A195A196A137A83A197A198A74A227A199A200A201A196A137A30A199A69A102A202A204A32A174A20A24A91A92A22A23A205A56A20A206A207A186A92A208A209A63A14A210A92A187A63A14A211A212A191A120A213A214A74A207A215A216A217A218A219A220A221A20A207A215A216A217A31A32A222A221A74A207A202A216A217A224A225A35A185A175A206A207A186A92A208A209A63A14A210A92A187A63A14A211A212A30A216A217A226A228A205A120A22A229A230A95A96A225A20A231A232A234A120A22A56A22A23A77A235A237A30A24A14A74A225A234A138A14A71A186A92A208A209A63A14A210A92A187A63A14A211A212A191A120A238A239A45A124A30A120A22A70A23A243A122A181A244A245A225A234A246A247A74A41A249A251A23A252A253A22A23A31A27A254A250A22A255A70A218A230A225A234A14A20A161A49A30A74A218A230A18A19A32A132A0A205A118A119A32A241A242A74A22A157A32A167A120A74A175A76A32A218A209A74A125A178A23A142A177A13415A135A36A113A77A240A23A23A1423A135A702A102A175A20A24A136A154A30A32A174A36A32A78A79A71A73A76A80A160A81A82A205A32A200A201A171A1A83A196A137A30A146A129A130A131A56A154A54A55A2A3A4A30A30A187A205A104A32A105A106A70A169A137A195A171A49A52A134A75A216A138A31A30A153A154A36A169A137A195A171A49A52A134A173A5A153A154A36A169A137A195A171A49A52A134毕业论文审阅评语A35A102A189A6A44A7A84A8A9A189A6A44A7A10A11A9A12A13A119毕业论文审阅评语A233A102A84A27A14A84A8A9A84A27A14A10A11A9A12A13A119毕业论文答辩评语及成绩A93A102A15A16A17A18A19A21A22A23A142A24A25A26A28A29A61A97A23A143A26A15A16A31A32A33A34A36A37A23A38A39A40A147A24A15A16A17A18A19A200A41A148A42A23A43A36A45A46A15A16A17A18A19A200A41A150A47A23A15A16A17A18A19A200A41A36A37A23A38A39A40A48A50A51A52A53A54A55A57A53A58A59摘要我国商业银行信用卡业务中的信用风险所带来的损失，已成为银行损失的主要来源。近年来，随着金融市场在我国的不断发展，信用风险也逐渐成为银行业所面临的重要风险之一，也是金融体系系统风险重要的直接来源。有效的控制和防范银行的信用风险，对信用风险进行系统全面的管理，已经成为我国银行业信用卡业务中最重要的任务之一。目前，我国商业银行信用卡业务发展迅速，信用风险带来的损失呈上升趋势；信用风险管理的外部环境不完善；信用风险整体指标低。因此，建立外部管理体系，并加强内部信用卡的信用风险管理；制定切合实际的风险管理策略；加强征信审核业务管理，优化作业流程；运用风险控制技术，提高信用风险控制水平。关键词商业银行；信用卡；信用风险；风险管理A48A50A51A52A53A54A55A57A53A58A59ABSTRACTTHECREDITRISKINTHECREDITCARDBUSINESSOFTHEOURCOUNTRYCOMMERCIALBANKBRINGOFLOSS,HAVEBECOMEBANKLOSSOFMAINSOURCEINRECENTYEARS,ALONGWITHTHEFINANCIALMARKETISINTHEOURCOUNTRYOFCONTINUOUSLYDEVELOPMENT,CREDITRISKALSOGRADUALBECOMEBANKINGTOFACEOFIMPORTANCEONEOFTHERISKS,ISALSOFINANCESYSTEMSYSTEMRISKIMPORTANCEOFDIRECTSOURCEVALIDOFCONTROLWITHGUARDAGAINSTTHECREDITRISKOFBANK,TOTHECREDITRISKCARRYONSYSTEMOVERALLOFMANAGEMENT,HAVEALREADYBECOMEOURCOUNTRYBANKINGCREDITCARDBUSINESSINMOSTIMPORTANCEOFONEOFTHEMISSIONCURRENTLY,THEOURCOUNTRYBUSINESSDEVELOPMENTOFTHECOMMERCIALBANKCREDITCARDQUICK,THECREDITRISKBRINGOFLOSSPRESENTUPTRENDTHEEXTERIORENVIRONMENTOFCREDITRISKMANAGEMENTISNTPERFECTCREDITRISKTHEWHOLEINDEXSIGNBELOWTHEREFORE,ESTABLISHMENTEXTERIORMANAGEMENTSYSTEM,ANDSTRENGTHENINNERPARTTHECREDITRISKOFTHECREDITCARDMANAGEMENTTHEESTABLISHMENTSUITACTUALOFRISKMANAGEMENTSTRATEGYSTRENGTHENTOGAINCONFIDENCETOEXAMINEBUSINESSAMANAGEMENT,EXCELLENTTURNHOMEWORKPROCESSUSAGERISKCONTROLTECHNIQUE,EXALTATIONCREDITRISKCONTROLLEVELKEYWORDSCOMMERCIALBANKCREDITCARDCREDITRISKRISKMANAGEMENTA60A62A63A64A65A66A67A68A65A69A70目录摘要IABSTRACTII1绪论111研究背G7235112研究的目的和G5859G10531121研究目的1122研究G5859G1053113国内外研究G10378G19292131国外研究G10378G19292132国内研究G10628G10378414研究内G4493和G7053G88735141研究内G44935142研究G7053G887352理论G3534G11796721信用卡G8022G178607211信用卡的定G1053G10317G9869G2462作用7212信用卡的G12193G128797213商业银行信用卡业务的G17227源和发展8214信用卡的风险G12193G12879922信用风险G8022G1786010221信用卡的信用风险10222信用卡业务中信用风险的G16794G2047113商业银行信用卡业务信用风险管理G10628G10378G2462G4396在G19394G200761331信用卡业务信用风险管理G10628G1037813311信用G16792G2010G8181G3423的G5224用13312信用G17891G6915的管理1432信用卡业务信用风险管理中G4396在G19394G2007614321信用G16792G2010G8181G3423在我国G5224用的制G13434因G1304415322风险管理的外部环境154我国商业银行信用卡业务信用风险管理对策1741制G16758切合实际的风险管理策略1742制定合理的G6492信G6931策1843加强征信审核业务管理1844建立风险G20056G16698G7438制防范G8462G16796风险1945建立有效的G1664G6922体系1946运用风险控制技术20G13479论21A71A72A73A74A75A77A78A79A75A80A81G2454G13783G7003G1049822G14280G1688623G19480G5417124G19480G5417228A71A72A73A74A75A77A78A79A75A80A8111绪论11研究背景G14270G1186G20G28G27G24年G25G7388中国银行G10676G8755G2010行在国内发行G12544一G5364信用卡G708中银卡G709G1209来，G11013G1122G1866G7053G1427G5567G6475，G2475G2052G1856G1259G4470G6155的G19750G11556。我国的银行卡业务G5483G2052G1114G19283G17287的发展，发卡银行G451发卡G6980G18339G451G1144G7143金G20081G18129有G1114G17751G3835的G3698G19283，信用卡的用卡环境也有G1114G5468G3835的G6925善。G9994G13792，随着信用卡业务的进一G8505发展，信用卡风险发G10995也G17246来G17246G20069G13333。在信用卡的发行G451G1363用G451G13479G12651的G16844G3822环G14422G18129G2499G14033G4396在风险。G13792G1000，随着发卡行G451G10317G13434商G6155和G6357卡G1166的G3698G3822，信用卡风险体G10628G1998G9053G2462面G5203，风险G12193G12879G3822G7691G451G2373G4487G5627G3835的G10317G9869，发卡行的G2045G9082逐渐G1955G4581，因此，信用卡风险的有效防范G994管理G4613显G5483极G1866重要。12研究的目的和意义121研究目的随着金融市场的不断发展，银行面临着G17246来G17246G3822的风险，如信用风险G451流动风险G451市场风险等。G1866中，信用风险是银行面临的重要风险，也是金融体系系统风险重要的直接来源之一。因此，如何控制和防范银行的信用风险，是理论和实践中G18129迫切需要解决的G19394G20076。另外，商业银行信用卡业务所带来的G2045G9082，已经是我国商业银行的主要G2045G9082来源G13792信用风险所带来的损失，极G3835的缩G1955G1114G2045G9082率。西G7053商业银行信用风险G8181G3423的发展表明，信用风险日趋准确G451科学的管理，是全球化中商业银行信在新一轮的竞争中立G1122不败之地用风险管理的总体趋势，中国银行业的风险管理无疑也要顺G5224这G12193趋势。所G1209，探讨G14033够优化G451推进我国商业银行信用卡业务发展的信用风险管理措施成为当务之急，G1209G1427G1363我国银行业顺G5224全球化发展趋势，在新一轮的竞争中立G1122不败之地。122研究意义1221理论意义信用卡业务中的信用风险作为我国商业银行信用卡业务中的主要风险，已经成为银行的主要损失来源，如果信用风险的损失G3835G3835超过G1866G20056期水平，在资本金被坏账冲G1955的同时，监管G7438构又要求银行G3698加资本金比率，G1186G13792产G10995巨G3835的A71A72A73A74A75A77A78A79A75A80A812资本G2373G7438，如果控制不当，则会G1363银行或信用卡G1856司破产。同时也是满G17287G14270身G10995G4396G994发展的必需。通过对我国商业银行信用卡业务信用风险的管理G10628G10378的研究，G13479合我国商业银行信用卡业务发展过程中所处的G7438会和优势，G2010析我国商业银行信用卡业务对信用风险管理的措施中G4396在的G19394G20076，探索G1998G14033够切实提高信用风险管理水平的途径。1222实际意义信用风险所带来的坏账损失，不仅直接G1955G4581G1114银行的G2045G9082，G13792G1000随着新巴塞尔协议更G3835程度上把资本金要求G994信用风险挂钩1，监管G7438构也会因此G13792要求更高的资本准备金。因G13792，研究G1998有效G2499行的信用风险规避管理措施是我国商业银行适G5224新形势下的金融监管要求的需要。13国内外研究状况131国外研究状况1311国外信用卡业务信用风险管理现状随着信用卡业务的G5567速发展,信用卡风险也逐渐显G10628，G1866中最为主要的风险G4613是信用风险，G11013G1122信用卡先消费后还款的产品G10317G9869,对G6357卡G1166具有消费放G3835效G5224,G6357卡G1166信用G10378G1929恶化导G14280不G14033偿还G17891G6915消费导G14280信用卡坏账的比例逐渐G3698加2，甚至形成严重的社会G19394G20076。如韩国在亚洲金融G2373G7438后,为恢复国民经济,刺激内需,G3835力扶G6357国内银行卡产业的发展。G142702000年开始,信用卡G17891G6915G5567速G3698G19283,刷卡G1144G7143G20081G11861999年的91万韩元G3698G19283G20522002年的623万韩元，年G3355G3698G1928377，消费信G17163G1325G20081G2356比例G17810G205252，G6142至2003年9G7388,韩国信用卡G17891G6915G1325G20081G17810122G1171韩元，随之带来的是信用卡G17938期G17891G6915比例的G3835G5145度G3698加,同期G5322G9394还款比例G17810112，账G21848G989年G1209上G7422还款的韩国信用卡G6357卡G1166G2356韩国G2183动G1166G2487的16韩国信用卡G1856司也G7234G17953发G10995G1114流动G5627G2373G7438，2003年11G7388，韩国最G3835的信用卡G1856司LG信用卡G1856司G4471G5079G1584G8502G2533G6357卡G1166的G20056G1523G10628金业务，后因G14731G5483G13051急G17163款G6600G2173G13792避G1825破产。G6466统G16757,G13666国信用卡G6357卡G1166G17938期G10378G1929也在G3698加,G1268统的超前消费G1076G5827和信用卡的G1427G2045G1363更G3822的G13666国G4490G5249因不G6809理G17142G13792G8826为卡G39123。G4613全G13666G13792G16340,信用卡G8436款G20081G8503在G3835G5145G3698G19283，目前已经超过1G1171G13666元，G9941989年G11468比G1972G1058G13775G1114G1016G11070。一G2334G1209上信用卡G6357有G13785无G8873G1582G2052G8611G7388一G8437G5627还款，平G3355G8436款G20081为2000G13666元。至G458123的G1166G4570无力偿还信用卡G8436款，G7693G6466G13666国G6931G5232会G16757G2162G1856G4472统G16757，信用卡发行商70的G2045G9082来G14270G8611G1022G7388G18129G8436G1550的信用卡G4470G6155。G19036对日G11422严重的信用卡信用风险，G2520国发卡G7438构G7234G17953开始重G16282信用卡发展G6124略的A71A72A73A74A75A77A78A79A75A80A813G16855整，G1186G6262G2356市场，G17873求卡G18339的G3698加G17728G2476为G8892重发卡G17148G18339，进行市场G13466G2010，G17885G6333信用风险低的G4470G6155，加强对G4470G6155偿还G14033力的G2010析和监控，并G13479合运用统G16757G2010析G7053G8873和信G5699技术，对G6357卡G1166的G1144G7143行为进行G2010析，G1209制定更加合理的G6492信G6931策和G1664G6922策略。1312国外信用卡信用风险管理的特点发G17810国G4490的银行中，信用风险管理已经成为银行经G14841管理的核G5527，G13792随着信用卡业务的推G5203G451发展,信用卡风险管理也G5061经G13447G1849G1114银行全面风险管理的体系之中，为此，国际G11705G2529银行G18129对信用卡业务制定G1114全面的风险管理G2419则，G1209G1955G4581信用风险的发G10995，G1457G16789银行G2045G9082的G12295G1593实G10628。G20330先，强G16855有效的G8847理G13479构的建G16786。风险管理G13464G13467G13479构的G6657建，G2520G13435的风险管理G13856G17143G9177G7236G451明确，要体G10628统一G5627G451协G16855G5627和G999业G2010G5049G5627。统一G5627体G10628在处G1122最高G12483的是银行最高决策G7438构，G1866G13856G17143是G1363风险管理G994整体的经G14841G8975动G11468一G14280，G1457G16789信用卡业务的G6311展，市场的开发策略不仅G12538合G4628部G2045G11422,也G12538合全G4628G2045G11422，G1457G16789G6124略目标的实G10628。协G16855G5627体G10628在信G17163管理G4008G2604会成G2604G19512G1114风险管理G1166G2604外，还通G5132G2265G6336市场G451G6124略G451运G14841和科技等部G19388G1166G2604，动G5589监控市场的G2476化，进行风险G20056G16698,G1457G16789风险和G6922G11422的平G15925。G999业的G2010G5049G5627体G10628在部G19388G16786G13634上，要G7693G6466不同的G13856G17143进行部G19388G16786G13634和G13501效G13783核。G1866G8437，重G16282风险管理,G17873求风险和G6922G11422的平G15925。银行经G14841管理的G4459G7100是G2045G9082最G3835化，G13792不是风险最G4579化，更不是消G9793风险，因为作为G7234G17953的经济规G5471，风险和G3250G6265是G11468对G5224的，G8821有风险的银行也G4613失去G1114盈G2045的G2499G14033，G13792G3534G1122G2045G9082最G3835化G8181G3423的信用卡G2045率定价G4570成为G1114控制风险,实G10628赢G2045的措施之一。G12544G989，G8892重制定明确的信用风险管理G8505骤和G7053G8873。对信用卡市场G13792G16340,他们G20330先要制定明确的风险管理G16757划和目标,G7693G6466总体经G14841目标和策略制定风险管理的总体G7053G19036决定G6357卡G4470G6155的风险偏好和G2499接G2475的风险程度二是对制定管理风险的策略和G7053G8873,信用风险通G5132先G1363用信用卡G16792G2010技术对风险进行G4470观G451精确的G16794G2047和G16757G18339,再通过风险策略来G2462时避G1825G451G17728化和G1955G4581风险G989是执行风险管理策略,要G994科技部G19388配合,确G1457G2520G12193G8181G3423和策略G14033在G16757G12651G7438系统中G5483G2052G8503确运行四是风险管理策略和G8181G3423的反馈G16855整,在G8181G3423和策略实施G1114一段时间后，银行必须跟踪G451检验和G16792价G8181G3423和策略的执行效果和发展趋势，一G7053面是G16792价风险管理的成效，另一G7053面是为G1114提高风险管理的G14033力。G12544四，重G16282全流程管理。信用风险管理G1186G4470G6155信G5699G6922集G451筛G17885G451甄G2047G451信用G20081度审核G451还款情G1929监控G451G17938期G8436款G1664G6922G451G2520环G14422G18129十G2010明G7236G451G1209实G10628风险管理的全面G5627G451避G1825管理环G14422的遗漏带来业务上不G2499估G18339的损失。最后，采用先进的风险管理技术和G8181G3423加强信G5699管理，对风险G18339化G2010析。G20330先要A71A72A73A74A75A77A78A79A75A80A814建立G6922集和整理信用信号表G10628的管理信G5699系统，G4570所有G6357卡G1166的资料G451用卡情G1929G451信用情G1929G451贡G10498情G1929和流失情G1929等通过G16757G12651G7438语G16340的G7053式进行汇总,G9994后通过引进先进的信用G16792G2010G8181G3423对这些信号筛G17885G451G2010G12879G451统G16757和G2010析，通过G8022率化的管理G20056测信用资产情G1929和趋势，G1209G1427银行采用不同风险管理策略来G1955G4581风险。132国内研究现状在信用卡事前审核系统的研究上有许爱惠G708G20G28G284G709藉G11013范例学G1076建立一G1022信用卡信用风险审核G8181式,期望G14033有效辅G2173信用卡发卡审核作业,G1209降低信用风险,并提升发卡G7438构的经G14841G13501效，冯远耀G708G20G28G28G24G709G1209G999G4490系统G8181式G16786G16757G1114一G1022G1209DBASEPLUS资料库档案为G11705G16794库的信用卡审核G994G6492信G999G4490系统G8181式，此G8181式中，G11705G16794的G5224用不只G4628限G1122提供G11705G16794库中推理之G5224用，G13792是G2499G1209如资料一般的查询G451新G3698G451修G6925G1209G2462删G19512。同时,在进行推理时G8611G8437须动G5589G6142取G11705G16794库中一笔记G5417，不须G4570整G1022G11705G16794库全部载G1849记忆体中，对G1122G11705G16794不断扩G3698G13792记忆无G8873G11468对配合的G19394G20076G5483G1209解决A82A83A85。龚艇元G708G20G28G28G27G709G2045用卡G7053检定G2462FORWARDSTEPWISEG7053G8873筛G17885G1998G6357卡G1166的婚姻G10378G5589G451教育程度G451居住G10378G5589G451G5049作年G6980G451G1866它不动产的有无，有无G19480卡等G1022解释G2476G6980，G1209玩G8181G3423建立信用卡信用风险审核G8181式。并G2045用G8181G3423中所G5483G2052的G2010G6980，作为信用G20081度核准G16855整的G2454G13783。施孟隆G708G20G28G28G28G709G1209某信用卡G7438构为例，G2045用LOGISTICREGRESSIONG8181G3423进行G2010析G6357卡G1166G2499G14033发G10995G8503G5132缴款G994G17938期缴款之G10317征因G13044，G13479果发G10628G6357卡G1166G5627G2047G451教育程度G451G5049作业G2047G451G5049作年G6980G451申请时已G6357有的卡G6980G2462是否为本行房G17163G6155等因G13044,为重要的风险G10317征因G13044。李秀梅G708200G20G709G2045用G5627G2047G451年G21848G451教育程度G451婚姻G10378G1929G451年G6922G1849G451G13856业G451G13856称等七G1022G2476G6980作为G14270G2476G6980,G1209G1268统鉴G2047G2010析LOGISTICREGRESSIONG8181G3423G1209G2462G12879神经网路G8181式进行辨G16794G6357卡G1166信用G10378G5589之G8181式。林建洲G708200G20G709G2045用LOG74ITG8181G3423G451PROG69ITG8181G3423G451G2318G2047G2010析G8181G3423，实G16789G13479果发G10628，G5445G2721G1022G1166消费信用G17163款申请G1166信用风险的G10317征因G13044,G11354为G13856称G451教育程度G451G1856司等G13435G2462年G6922G1849。G19484G21523G7003G7082002G709建立一G1022适用G1122银行建立一G1022G1022G1166G4579G20081信用G17163款G17163款G16792G18339G8181G3423，系G1209表内G2476G6980G2462表外G2454G6980为G2454G13783G1552。本研究G1209某新银行的G2347部G2010行G27G26G16G27G28年所G6227G2162的G1022G1166G4579G20081信用G17163款G1226为G7691本，G1186G8503G5132G1226G6289取G20G240G1226,G1866中G2586账G1226G708G17163款本G5699G7422缴G17938G25G1022G7388G709,并G2045用G13611G2525G7043G3250G5414G708LG53G709为研究G7053G8873。在信用卡事后G20056G16698体统G7053面则有G20544G14471资G7081994G709G2045用范例学G1076G8873建立信用卡信用风险G20056G16698范例学G1076系统，G2010析信用卡G4470G6155的信用资料G994缴款情G1929，G1209发卡银行的信用资料为研究对G16949，建立一G1022信用风险G20056G16698范例学G1076系统并验G16789G25G1022G20056G16698G8181式。G19484G6976G13886A86A87A88A89A90A91A92A94A90A95A965G7081997G709G2045用G12879神经网路建立信用卡风险G16792估之G20056G16698系统，G1209G4396款G1166G1857G1022G7388之G16792等记G5417G2462G1866它G2476G6980，作为G1857G1022G2345一G20056G16698G8181式,G17891过G1144G2461验G16789G8873，G16855整G1866G15267G4630G1022G6980G994学G1076速率，再经过适当的G16769G13463学G1076G994G11468G1863系G6980的G16786定，G1857G1022网路G20056G16698G8181式G2641中率G11354G2499G1781095G8G1209上,G20056G16698效果G19762G5132G14403好。G5441惠G19651G7082001G709研究的目的在G1122G2045用资料探G2220的G6175G8873,G6378G6508G9520G15267在信用卡用G6155资料中的重要资G16771，并比G17751G2045用复G2476G6980G231