中国农业银行湖南省分行银行卡业务风险管理

湖南大学硕士学位论文中国农业银行湖南省分行银行卡业务风险管理姓名：金超申请学位级别：硕士专业：工商管理指导教师：孙枫林20060416IIIAbstractInrecentyears,thebankcardservicedevelopswithahighspeed.Thebankcardfunctionstrengthensunceasingly.Thebankingcirclesprofoundlyhadallrealizeddoesnothaveotheranyitemtobankingindustrytobestableagain,thetraditionalbankservicecanlikethebankcardservicesameexistencesohugeprofitspace.Atthesametimeeverybodyalsorealizes,doesnotdevelopthebankcardservice,meantiscompelledtowithdrawfromthehighprofitmarketthecompetition.ThebankcardserviceofHunanBranchAgricultureBankofChinanearlytwoyearsrealizedsurmountedthetypedevelopment.Butstillexistedtothebankcardserviceriskmanagementhastwowrongviewpoints,Oneistheinactionofviewoftheone-sidedexaggeratedbankcardsnotcontrollableriskandoperationalrisk,anotherviewpointisinsignificanttothebankcardbusinessdevelopmentprocessrisksisalackofproperattention.Inlightofthisreality,forthebankcardbusinesshealthyoftheHunanBranchAgriculturalofChina,andsustaineddevelopment,operationalriskmanagementinthebankcardresearchisveryimportantandverynecessaryandurgent.Theauthorsofliteraturethroughthestudy,inconjunctionwiththeirbankcardsworkintheHunanAgriculturalBankPractice,HunanAgriculturalBankcardbusinessrisksanalysesthestatusquothatHunanAgriculturalBankcardbusinessfromanoveralllookattheexistenceofthreetypesofrisks:internalrisk,theriskofthird-partyrisksandcardholders.Tofinishtheaimtopreventtheriskofbankcard,Firstly,itisnecessarytoenhancetheintermanagementoftheHunanbranchAgricultureBankofChina;Secondly,weshouldlearntheadvancedexperienceaboutriskmanagementfromotherdomesticandinternationalcompanies.Finally,atthesametime,weshouldanalyzethesocialenvironmentwhichhasimportantinfluenceintheriskmanagementofHunanBranchAgricultureBankofChinasothatwecangettheeffectivestepstomanagetheriskandimprovetheriskmanagementlevel.Theauthorthinksthattherearesomeimportantsteps.Itisnecessarytoenhancetheriskcontrollevelofthebankcardservicesystem;todevelopandusetheeffectivebankcardservicerisksurveillancesystemandbankcardservicesCRM;tomaketheframeworkofHunanbranchAgricultureBankofChinamoresuitabletotheriskIIImanagementstandard;toimprovetheholisticcreditenvironment;toresearchthebankcardproductiontheriskpointifoperationallkindsofriskcontrolwaysofHunanbranchAgricultureBankofChina.TheauthorwishthehisproductioncanhelptheHunanbranchAgricultureBankofChinatoimprovethebankcardriskmanagementlevelandacceleratethedevelopmentofthebankcardserviceofHunanbranchAgricultureBankofChina.Keywords:HunanBranchAgricultureBankofChina;bankcard;RiskmanagementIV4.1........................................................364.2........................................................365.1...................................................................41V3.1.................271.□________2.□1119792020901021.11.1.1CreditCreditCredoIbelieveWebstersThesystemofbuyingandsellingwithoutimmediatepaymentonsecurity,[1]CreditCard1.1.219320302030401936UATPUATP4255000510195454194671.1.31946241951ArthurRoth5019851958T&E661.59419591020021961196855019621967250002.5501.1.41966MasterCharge60MasterChargeMasterCharge70MasterCharge2197371Barclay6MasterChargeEuroCardAccess1976VisaMasterCharge1980MasterCard708070501.VisaMasterCard2.3.70197811000440520019767208019701972197319771.1.51981198219861.1.681.1.6.11.2.VISAMASTERAmericanExpressJCBDinner53.4.VISAMASTER1.1.6.21.1019924854200270801992-20021042516ANZNABCBAWestPac809593[31]702.5VISAMASTER3.20SemaCardCardlinkFDCVisionPlus40504.POSATMNCRATM3091.1.6.31.IC2.GDPGDPGDP3.1.1.7EMVEMV1.1.7.1EMV1985ICICIC1987IC2.719980.182002VISAMASTEREMVIC200511EMV10EMVVISA200890200590EMVEMV4430POS23ATM10EMV30080EMVEMV20002.9320044.2475EMV2005175POS35ATMEMV+EMV301999EMV20012006EMV1.1.7.2VISA2000-2001VISA1710017200.0350.0130.130.06[31]VISAInterlinkMASTERMastero[31]1.1.7.32002420027199511200320038231-323-65061/32/3181520032004-2008EMV1.1.7.41.Internet20003300049ATM2.WAPCDMASTERMASTERPayPass200353.ATMNCRATMEPPMP3PDAATMPDAGPRS4.POSVerifoneCDMA5.IC20039200311EMVMASTER12VISA6.LGDNADNA20038DNA7.FalconMASTERCARDVerisignIPEMAIL200311BC1.21.2.11.Risk.S.ACaseStudyinRiskManagementC...M.RiskManagementandInsurance13[6]2.BankCardRiskFinancialRisk[2]ATMPOS1.2.21.2.2.1RiskManagement14[6]1.2.2.21.2.3.4.5.6.7.1.2.31.2.3.1151.2.3.21.1234567892.123416561.2.3.31.2.3.1.3(NewBaselCapitalAccord)200111619882001531200220051.threepillars2.ExternalCreditAssessmentInstructionECAI171233.IRB1riskcomponent2riskweight3minimumrequire4segment5201822.11.242.3.192.21.2.3.ATMATMATM2.32.3.1202.3.2ATMPOS2.3.2.1ATMATMATMATMATMCashDispenserCDAutomaticDispenserADICATMATMATM24ATMATMATM1ATM2ATMATMATM3ATM21ATM420039ATMATM2450056ATMATM7ATMATMATMATM2.3.2.2POSPOSPOSPOSPOS22POS2.3.2.3TelephoneBankingSystemTBSATMPOS20902004955992.3.3OutResourcing20232.3.3.1801.2.3.4.5.6.2.3.3.224POS10502.481.123452.12345678910111225133.12344.122633.13.13.2[26]273.120043%1.45%200224.6%31%17%18%16%20028.1%6.7%5.6%5.2%7.8%28300060%-65%20028%19982002GDP19.7%30%200230%20022002LG25%19.8%2990%20036.97.292910001.51302003940048001.963.33020057388737102313.420051.1802.33