摘要:随着信用卡业务的不断发展，其风险问题也日益显露出来。在我国，由于商业银行开展信用卡业务单纯追求卡量的粗放式经营模式，使信用卡的信用风险集聚，造成商业银行面临业务扩展和信用风险控制间的矛盾，如何控制和管理信用卡信用风险必将成为保证发卡行稳健经营的重要因素。

　　　论文先从我国信用卡发展现状出发，对信用卡信用风险进行系统分析，然后结合我国信用卡信用风险的成因，找出管理过程中存在的问题，最后根据国家的一些政策建议，笔者对信用卡信用风险管理提出自己的看法和意见。

关键词：我国  信用卡  信用风险

Abstract:With the continuous development of the credit card business, the risk issues are also increasingly apparent. In China, the commerical banks simply pursue the extensive amount of business model and it made the credit risk of credit card gathered, which leads to the fact that the commercial banks are faced the conflict between the credit risk control and business expansion. So how to control and manage credit risk credit card issuers will be one of the important factors to ensure sound operation of the issuing banks.

Beginning with the current situation of the development of credit card, it conducts systematic analysis on the credit risk of credit card. Then considering the causes of the credit risk of credit card and identifying the problems in the management process. At the end of the essay, according to a number of policy recommendations , the author gives some views and comments on the credit risk management of the credit card.

Key Words: China, Credit card, Credit risk

　　　我国信用卡市场虽然已经初见雏形，但综合考虑市场规模、网络建设和法律法规等方面，可以说我国信用卡市场还处于新兴市场形成期向成长期过渡的阶段，还处于其发展的初级阶段。这也是我国信用卡市场暂时没有出现危机的主要原因。某位银监会高层指出，在导致信用卡风险快速扩散的原因中， “信用卡业务扩张速度与银行风险管理水平不相匹配”位列第一。提高我国商业银行信用卡风险管理水平，增强自身抵御风险能力和获利能力，已成为我国商业银行赢得信用卡市场的当务之急。

　　　根据麦肯锡(McKinsey)公司对国际银行业实际风险资本配置的研究，信用风险是金融市场风险中最古老的风险，信用风险占银行总体风险暴露的60％，因此，研究我国商业银行信用卡的信用风险对于现阶段我国商业银行控制信用卡业务风险、维持稳定的信用卡盈利水平和保证银行平稳运行都具有十分重要的现实意义。