摘要：伴随着信用卡业务在我国的飞速发展，信用卡风险也层见叠出，如何有效管理和控制风险，已成为银行关注的重点。信用卡风险一方面来自于虚拟经济本身的固有性质，另一方面来自于业务类型和制度设计的影响。前者主要源自于信息不对称。在信息不对称条件下，银行信用卡业务产生了许多缺陷，通过分析我国信用卡现状，根据其特征和产生风险的原因，提出加强信用卡风险管理的相关建议，以此来降低信用卡借贷风险，减小银行的资产风险，提高金融市场运行效率，推进中国金融市场持续健康发展。本文的研究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资金安全具有一定的参考价值。

关键词：信息不对称 信用卡发展 信用卡风险 规避方法

Abstract：As the fast development of credit card business in China, credit card risk is increasing sharply. And how to how to manage and control the risk effectively, has become key concern of bank. The credit card risk comes from both the inner risk of virtual economy and the efficiency of the business mode and regulations. The former mainly comes from the information asymmetry. Under the condition of asymmetric information, bank credit card business has produced many negative effects, by analyzing the current credit card business in China, its character and the risk’s foundation, I am supposed to give some suggestions about strengthening the credit risk management so as to reduce the credit card business risk and the risk of bank assets and improve the financial market efficiency, while the Chinese financial market can keep developing steadily and rapidly. The research for the present circumstance of our country commercial bank credit card business risk control, maintain the stability of the credit card profits and ensure smooth running of the bank.

Key words: Information asymmetry Development of a credit card credit card risk Measures to decrease the risk of credit cards