 |
English
|
正體中文
|
简体中文
|
Post-Print筆數 : 27 |
Items with full text/Total items : 112721/143689 (78%)
Visitors : 49656995
Online Users : 544
|
|
|
Loading...
|
Please use this identifier to cite or link to this item:
https://nccur.lib.nccu.edu.tw/handle/140.119/27311
|
| Title: | 銀行信用風險管理與資訊系統--以雙卡問題為例 |
| Other Titles: | Banking Credit Risk Management and Information Systems Adjustment with Dual Card Example |
| Authors: | 曾淑峰;江俊豪
Tseng, Shu-Feng;Chiang,Chun-hao |
| Date: | 2006-12 |
| Issue Date: | 2009-01-17 16:30:28 (UTC+8) |
| Abstract: | 民國80年開放銀行新設後，國內銀行即長期處於家數過多狀況；由於大部分銀行較欠缺金融創新能力、商品同質性高，為擴大業務量（信用卡、現金卡）與市場占有率，競相採取價格競爭，並放寬審核標準，導致資產品質下降。本文從金融機構作業層面，包括：申請件審查、風險監控工具、帳戶管理、組織制度，討論雙卡問題的成因，再從業務管理面、資訊管理面、風險管理面，探討雙卡問題對資訊系統的啟示。 為避免類似雙卡問題，銀行風險管理資訊系統規劃可以參考COSO-ERM架構，建立風險預警與決策支援功能，區分為前、中及後台的資訊系統，以強調風險控制導向之管理模式。風險資訊系統規劃可包括：預警模型建構與管理、授信評等評分與徵審作業之改善、風險預警與決策支援機制之運用、營運模式及管理措施之改善；此外，特別強調業務管理機能與相關資訊系統配合的重要性。
After the constraint of new opening was removed in 1991, banks in Taiwan are in excess for a long time. Because most banks are short of financial innovation, the product homogeneity is high. To expand business volume with market share, banks compete to adopt the price competition, relax the verification standard, and cause the asset quality to drop. This paper addresses the dual-card (credit card and cash card) problems caused from several aspects of financial institution operation, such as card application review, risk monitoring instrument, account management, and organization policy. The dual-card problem implications to information systems are also discussed from the aspects of business management, information management, and risk management. COSO-ERM Framework can be applied to establish risk warning and decision support in terms of front end, middle end, and back end platforms. The risk information systems planning should include: early warning model building and management, improvement in credit ranking/scoring and reviewing process, adoption of early warning and decision support mechanism, and improvement in business operation and management. It is highly emphasized on the compliance of business objectives and information systems operations. |
| Relation: | 臺灣金融財務季刊,7(4),1-26 |
| Data Type: | article |
| Appears in Collections: | [資訊管理學系] 期刊論文
|
Files in This Item:
| File |
Description |
Size | Format | |
|---|
| 7126.pdf | | 3620Kb | Adobe PDF2 | 845 | View/Open |
|
All items in 政大典藏 are protected by copyright, with all rights reserved.
|
著作權政策宣告 Copyright Announcement1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.
2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(
nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(
nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.
