文档介绍：山西财经大学
硕士学位论文
信用卡风险控制法律问题研究
姓名:唐倩
申请学位级别:硕士
专业:经济法学
指导教师:张旭娟
2011-03-15
摘要
我国的信用卡业务经过多年的不断发展,在金融市场的地位
越来越重要。但在迅速发展的同时,信用卡业务风险发生的频率越来
越高、涉及金额越来越大,这在一定程度上限制了我国信用卡业务的
发展。
本文针对信用卡风险的种类、危害和成因以及对现阶段我国现有
信用卡风险控制方式的现状和存在的问题进行分析,得出通过法律手
段对风险进行控制的重要性和可行性这一阶段性结论。并且在通过与
信用卡业务发达国家进行分析对比的基础上,提出一点对信用卡风险
法律控制相关制度建设的个人意见。
文章主要以如下脉络展开:
首先是对信用卡风险的概念、种类、危害和成因等方面进行简要
介绍。
其次是通过对现行信用卡风险控制方式的现状及存在的问题进
行分析,得出法律控制方式的重要性和可行性。主要是说明法律控制
方式的不足之处。
再次是对信用卡业务发达国家的信用卡风险控制法律控制理论
和实践的介绍。
最后是我国信用卡风险法律控制的制度完善。
【关键词】信用卡风险法律控制制度建设
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Abstract
China’s credit card business is playing a more and more important role in the
financial market after 20 years of continuous development. However, the risk of the
rapid development of the credit card business occurs more frequently, with the
amounts increasing, which to some extent, limited the development of China’s credit
card business.
In this paper, according to the analysis to the type of credit card risk, hazard and
causes as well as the present status of the existing credit card risk and control
problems, we can obtain the importance and feasibility of this stage through legal
means to control the risk. And personal opinions on the construction of the related
system about the legal controls of the credit card risk are proposed on the basis of the
analysis parison of credit card business in the developed countries.
This paper mainly in the following thread to start:
The first is mainly the brief instruction to the concept of credit risk, types, hazards,
causes of credit risk ,and other aspects.
The second is the importance and feasibility of the means of legal controls through
the analysis to the current status. The main purpose is to specify the deficiencies of
legal controls.
The third is the instruction to the theory and practice on the legal controls of the
credit card risk in developed countries whose credit card business are prosperous.
Th