摘要
信用卡信用风险的类型有:资信风险、欺诈风险、套现风险、代理商户风险等。从信用卡信用风险角度出发,通过应用评分卡模型对目标客户和现有客户的信用历史纪录和行为特征进行系统分析,以预测其未来的表现。防范信用卡信用风险,应提高信用卡申请人资信评估的准确度,建立个人信用实码制和计算机联网查询系统,完善内部管理制度,加强透支贷款质量管理,提高信用卡业务的信用风险管理水平。
The risks of credit card contain credit risk,fraud risk,illiquidity risk,and agency risk.According to credit risks,we systematically analyze the historical record and behavior characteristics on target clients and current clients＇ credit by scoring card model and indicate its potential performance.Therefore,we should increase accuracy on applicants＇ credit evaluation,form true code system on individual credit and computer networking inquiry system,improve internal management system,reinforce management on the quality of overdraft facility,and increase credit risk management on credit card.
出处
《商业经济》
2010年第11期71-72,85,共3页
Business & Economy
关键词
信用卡
信用风险
防范
credit card
credit risk
prevention
