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1、公共管理硕士学位论文信用卡风险及政府监管责任研究姓名：徐丹阳申请学位级别：硕士专业：公共管理指导教师：莫童20070617信用卡风险及政府监管责任研究 摘 要 信用交易是市场经济高度发达的必然产物和内在要求，信用卡作为信用交易的重要载体，成为现在货币体系的重要延伸，在市场经济成熟的欧美市场，依托健全的信用体系和强大的信息技术， 信用卡已经成为普遍使用的支付工具和融资渠道，并且成为国民经济的支柱产业，成为为数不多的年增长率保持一定水平的产业之一。近年，我国的信用卡行业从稚嫩逐渐走向成熟，已然融入到人们的日常生活当中，尤其是在经济发达地区，信用卡凭借其方便、安全、灵活的特性日渐成为日常支付的重要手
2、段，虽然在我国信用卡的起步远远落后于“借记卡”，但是就目前的市场占有情况和卡片使用频率来看，信用卡必将取代借记卡，成为人们支付的首选。信用卡的发展表面看起来仅仅是一个产业的兴起，但是它的出现对于整个社会的影响是巨大的，从消费理念到社会心理它的影响无处不在。而由信用卡发展对个人信用信息的需求引发的我国信用体系的建立， 为整个资本市场建立良好的秩序提供了契机、并且有助于形成诚实守信的社会风气。 信用卡经过几十年的发展，在西方发达国家已经成为人们日常生活不可或缺的工具，与他们相比，我国的信用卡还处在一个刚刚起步的阶段，但是信用卡的出现改变着社会，给人们的生活带来巨大便利的同时，也有效提高了个人融资的
3、效率，并给发卡机构、商户以及国家税收都带来了不小的收益。但是在信用卡发展的过程中面临着诸多的挑战和风险， 对于信用卡相关的各个机构和个人都存在着一定程度的风险。 作为一个新兴的朝阳产业， 其发展的推动力主要来自于内部，但是从其对整个社会的影响来看，信用卡风险监管与防范、信用卡行业健康有序地发展并且发挥良好的社会功效还是需要政府推动的。 如何有效利用其正面积极的影响推进社会信用体系的建立， 如何建立健全相应的法律法规对其进行积极的扶植、 如何利用信用卡支付防范非法避税以及如何加强监管力度防范可能出现的风险都是我国政府相关管理部门需要重视和探讨的话题。 目前我国政府对于信用卡行业的重视已经提高到了
4、一定的高度，多部信用卡相关的法律法规正在起草完善中、个人信用信息数据库已经投入使用。但是法律法规的相对滞后、信用体系还不完善都会引起信用卡行业风险的积累，是对政府如何采取有效的措施加强信用卡风险监管的挑战。直面问题，深入挖掘其原因并采取积极的措施进行改善是政府不可推卸的责任。 关键词： 信用卡,信用卡风险,监管责任 CREDIT CARD RISK AND GOVERNMENT REGULATORY RESPONSBILITY RESERACH ABSTRACT Credit trading is the inevitable product and the inherent requirem
5、ent of a highly developed market economy. Credit cards have become major carriers of credit trading as important extension of the monetary system. In a mature market economy, the European and American markets, backed by a sound credit system and a strong information technology credit cards have beco
6、me widely used payment instruments, and financing channels. Credit card industry has become a pillar industry in the national economy, maintaining a certain level of growth every year . In recent years, Chinas credit card business from immature to mature gradually, going into peoples daily lives, es
7、pecially in the economically developed areas, by virtue of their convenience, security and flexibility characteristics credit cards are becoming an important means for daily payments. Although credit cards in China lag far behind the starting “debit cards“, but on the frequency of use and market sha
8、re, the credit cards will replace the debit cards to become the preferred payment. The development of the credit card industry seems a new industry rise, however, it emerge a great impact on the whole community. The establishment of a credit system was triggered by the development of personal credit
9、 information from credit card in China. It provided an opportunity to establish good order for the entire capital market, and help create a social atmosphere of honesty and trustworthiness. After several decades of development, credit cards, in the western countries have become indispensable tools f
10、or peoples daily life. Compared with them, Chinas credit card industry is at a start-stage, but credit cards are changing the society, bringing great convenience to peoples lives, they are also effective in improving the efficiency of individual financing, and bring profit to credit card issuers, me
11、rchants and the state. But in the course of development of the credit cards face a host of challenges and risks. For credit card-related organizations and individuals there is a degree of risk. As a new sunrise industry, mainly from the internal driving force for its development. But concern their i
12、mpact on society , the government needs to play a good role to defend credit card risks and drive the credit card industry develop healthy and orderly . The government should pay attention to such topics as how to make effective use of credit card industrys positive impact on promoting the establish
13、ment of a social credit system, how to establish and perfect relevant laws and regulations for credit transactions, how to guard against illegal use of credit cards for payment and how to strengthen supervision over the risks occurred by credit card transaction. Currently, the government has increas
14、ed the importance for the credit card industry to a certain height, more than being drafted to improve the laws and regulations related to credit card, personal credit information database has been put into use. But laws and regulations are relatively stagnant. Credit card risks are ambulance contin
15、uously. Facing the problem straightly and take positive measures to improve are responsibilities of the government which can not shirk. KEYWORDS：credit card, credit card risk, regulatory responsibility 上海交通大学上海交通大学 学位论文原创性声明学位论文原创性声明 本人郑重声明：所呈交的学位论文，是本人在导师的指导下，独立进行研究工作所取得的成果。除文中已经注明引用的内容外，本论文不包含任何其他
16、个人或集体已经发表或撰写过的作品成果。 对本文的研究做出重要贡献的个人和集体，均已在文中以明确方式标明。本人完全意识到本声明的法律结果由本人承担。 学位论文作者签名：徐丹阳 日期： 年 月 日 上海交通大学上海交通大学 学位论文版权使用授权书学位论文版权使用授权书 本学位论文作者完全了解学校有关保留、使用学位论文的规定，同意学校保留并向国家有关部门或机构送交论文的复印件和电子版，允许论文被查阅和借阅。 本人授权上海交通大学可以将本学位论文的全部或部分内容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制手段保存和汇编本学位论文。 保密保密，在 年解密后适用本授权书。 本学位论文属于 不保密不保密。 （请在以上方框内打“”） 学位论文作者签名：徐丹阳 指导教师签名：莫童 日期： 年 月 日 日期： 年 月 日 上海交通大学 MPA 学位论文 信用卡风险及政府监管责任研究 - 1 - 绪绪
