Questionnaire on credit card risk (best from the banking perspective)

With the rapid development of credit card business and the continuous growth of credit card business, the frequency of risk in the credit card business has also increased, and the losses caused by the issuing bank, special merchants, and cardholders are also increasing. It is also increasingly serious. The risk in the issuing bank is mainly its own problem. The card issuing bank is the source of all issues. The loopholes in the bank’s own operation provide opportunities for credit card violations, leading to the continuous risk. The supervision of regulations, improving the comprehensive quality of employees, to prevent illegal and violations, increase the rights of issuing card banks, and enable it to be normal, efficient and legal. Special merchants have played a role in the upper and lower part. The process of connecting up and down should be very important to pay attention to each pass to block each possible loophole. In addition, the risk of itself is also an important issue. It should improve the comprehensive quality of personnel in order to better safeguard the rights and his rights. The cardholder is the disadvantaged group of the three. In addition to paying attention to “self -protection”, you should also pay attention to some unreasonable regulations and terms, and have a strong sense of self -protection. In short, the development of my country’s credit card business is not very mature, and various regulations are not very complete. You should learn more from foreign experience and more from the perspective of protecting the public interests of social public interests and protecting consumers. The protector of only industry interests cannot promote the development of the banking industry at the cost of sacrificing the interests of consumers.

It since the China Bank’s Pearl River Branch issued its first credit card (BOC card) in China in June 1985, it has been favored by public customers due to its convenience and quickly. my country’s bank card business has developed greatly, the card issuance banks, the number of card issuers, and the transaction amount have increased significantly, and the credit card environment has also improved. Take Shanghai, for example, by the end of 2002, the total number of bank card issues in the city reached 35.65 million, an increase of 27.5%over the previous year. The number of bank card transactions was 107.5 million, with a total transaction amount of 106.5 billion yuan, and 3282 units were distributed, POS16938. In 2002, the number of bank card networking merchants increased from 2184 at the beginning of the year to 5,780, and POS16234 was admitted to the Internet. The total liquidation of ATM and POS cross -bank transactions throughout the year was 5185.72. (According to conservative estimates, by 2007, the total investment of Shanghai’s bank card industry construction will exceed 10 billion yuan, the annual total output value will reach more than 20 billion yuan, and the employees will be as high as about 30,000)
. Credit card business will have already been in credit card business. Become one of the most profitable departments of commercial banks. In Western developed countries, credit card business is the main business and source of many international banks. For example, Citibank’s credit card business income accounts for one -third of its total profit, and the profit business of the American Express’s Express Corporation accounts for 70 % of its company’s entire profit.
The risk of credit card
With the further development of the credit card business, the risk of credit cards has become more and more frequent. There may be risks in the issuance, use and settlement of credit cards. Moreover, with the increase of card issuers, special merchants and cardholders, the risk of credit cards reflects the characteristics of a wide range of risks, diverse risks, and high harmfulness. It was made up with the profit of the bank, so several legal issues of credit card risk were highlighted.
We’s main reason for the risk of credit cards is caused by the issuing card itself. For example: In addition to CCB’s CCB consumption of credit card consumption, the two ways of consumption of credit cards are closely and signed. No need to enter a password. These are the vulnerabilities of the card issuing itself
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Each application information sent to the bank card department is reviewed several aspects. First of all, the bank will confirm whether the phone is true based on the phone call on the information. At the same time, ask a few questions to see if the information is filled in; then check the personal credit reporting system of the People’s Bank of China to see if the applicant has malicious arrears or arrears or The record of overdue repayment, if there is a high -risk customer, will usually refuse the approval directly, and then the SMS notifys you insufficient scores; you can survey the data from each bank to investigate several credit cards. Consider whether you have the ability to repay (afraid that you have no ability to repay after all overdraw), and at the same time, it depends on whether you belong to a card to raise your card. According to your annual income, you can determine your economic tolerance. It is not a pleasant thing about Bo Gongtang. The above points are manual judgment, and finally there are comprehensive scores of computer, such as higher marriage than unmarried scores and high undergraduate scores. If you pass the bank, you will approve the card, and you can send the card the next day, because the card making only needs to print the card owner’s name pinyin on the finished product. The standards of each bank will have a small difference. For example, the four major national banks will pay more attention to the nature of the unit, and the institutions and institutions are preferred, but these points of artificial scores are the most important.