摘要
随着信用卡业务的发展,风险损失也越来越多。其风险由外部、内部因素引发。发卡行的操作风险(这是信用卡风险发生的一个重要原因)、特约商户或经办网点受理业务不当造成的风险、银行内部人员作案或内外勾结作案,这种风险隐蔽性较强,潜在风险更大。由于持卡人挂失之时起24小时之后的风险损失由发卡银行承担,许多的遗失假冒风险到最后就演变成了恶意透支风险。恶意透支的性质较严重,它造成的损失直接构成了银行的业务成本乃至形成诈骗风险等。至此风险控制显得十分重要,只有内外结合,全面防范,才能把风险降到最低,实现收益最大化。
With the development of credit business, the risk losses become more and more, caused by external and internal factors. The risks of credit cards, network means business --commercial or improper handling of the risks posed by crimes or colluding with people inside and outside the bank staff are hidden potential risks. As holders accepted 24 hours after the time of the risk of loss borne by the card - issuing banks, many of the risk of loss finally evolved into fake malicious overdraft risk. It is more serious to overdraw, which constitutes a directloss caused by the bank＇ s operational costs and even causes fraud risks. Thus itis important to control risk,only by, full precautions can we minimize the risks and realize maximal benefits.
出处
《辽宁工程技术大学学报（社会科学版）》
2006年第5期486-487,共2页
Journal of Liaoning Technical University(Social Science Edition)
关键词
信用卡
信用风险
交易风险
操作风险
风险控制
credit card
credit risk
transaction risk
operation risk
risk control
