Dissertation > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Banking system and business

Research on Defrauding Risk of Chinese Credit Card and Solution

Author DuZuoZuo
Tutor YangXing
School Jinan University
Course Finance
Keywords credit card fraud risk clone card cash out solution
CLC F832.2
Type Master's thesis
Year 2012
Downloads 220
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It is already60years since the frist credit card appeared in the world while onlyover one decade in China. Credit card started relatively late in China, but it isdeveloping rapidly now. It has become a kind of convenient settlement tool thateveryone is familiar with. In2007, subprime crisis broke out in USA and thenexposed the potential crisis of credit card. There are very serious problems inmalicious default and inability to repay. The difference between China and America isthat most Chinese holders can repay duly or by installments. The main problem lies infraud risk like clone card and cash out etc, which involves larger and larger amountand turns out to be the biggest part in credit loss.This thesis is to analyze the current credit card fraud problems and find outeffective methods to prevent the credit card fraud. To serve this purpose, the latestcases of credit card fraud are selected, including lots of high-tech fraud cases, andinvestigation is carried out into the holders’ actual situation. After careful analysis,this paper points out the problems in current credit card risk management and putsforward a variety of risk prevention measures, so as to promote a healthy andsustainable development of China’s credit card industry.

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