摘要
信用卡业务的高利润,引发了激烈同业竞争,风险也接踵而至。本文基于以独立经济实体为单位的客户"资金池"创新结构设想,构建客户群体分类、行为规则预判和事中风险监控为主的三位一体监管模式,提高信用卡风险防范能力。
High profit of credit card business results in fierce competition, which consequently induces high risk. The article proposes an innovative structure of respective fund pool from individual client, and constructs a trinity regulation mode under this assumption, in order to enhance the risk-prevention ability of credit cards.
出处
《上海金融》
CSSCI
北大核心
2008年第9期41-44,共4页
Shanghai Finance
