What are the types of personal bank accounts? What type of account does a credit card belong to?
Nowadays, bank policies are becoming more and more strict. From December 1, 2016, the bank account classification system will be fully implemented. Next, let’s talk about related topics with you: What are the types of personal bank accounts? ? What type of account does a credit card belong to?
Hot topic introduction: What do bank type 1, type 2, and type 3 accounts mean?
Hot topic introduction: Can I decide on my own for a bank account?
What are the types of personal bank accounts?
Type I accounts are full-function accounts that can handle deposits, transfers, consumption payments, purchase of investment and financial products, etc. The scope and amount of use are not restricted. Individuals' salary income, large-value transfers, bank-securities transfers, and payment of medical insurance, social insurance, pensions, provident funds and other services should be handled through Class I accounts.
Type II accounts need to be bound to Type I accounts. Funds come from Type I accounts and can handle deposits, purchase bank investment and wealth management products, consumer payments, etc.
Type III accounts are mainly used for online payments, offline mobile phone payments and other small-amount payments, and can handle consumer payments.
What type of account does a credit card belong to?
From the above information, credit cards belong to the first type of account. The functions of this account are very comprehensive. You don’t have to worry about the impact on yourself. You only need to be familiar with this concept.
Hot topic introduction: How many type 1 bank accounts can be opened? List of issues related to bank accounts
Introduction to hot topics: What are the differences between first-class bank accounts and second-class bank accounts?
What do credit card type A and type B mean?
By implementing a scoring system for customers, we can judge whether the customers are of high quality or not. Card A (ApplicationScoreCard), application scorecard
Card B (BehaviorScoreCard), behavior scorecard
Since retail credit business has the characteristics of large number of transactions, small single amount, and rich data , determines the need for an intelligent and probabilistic management model. The credit scoring model uses modern mathematical statistical model technology, and through in-depth data mining, analysis and refinement of borrowers' credit history and business activity records, it discovers knowledge contained in complex data that reflects consumer risk characteristics and expected credit performance. and rules, and summarize them through scoring as a scientific basis for management decision-making.
Differences:
1. The time of use is different, focusing on before the loan, during the loan, and after the loan.
2. The data requirements are different, A card generally does The data of 0 to 1 year before the loan, B card is carried out after the customer has certain behavior and has larger data, usually 3 to 5 years,
3. All models of each score card Differently, A card mostly uses logistic regression, while the latter two commonly use multi-element logistic regression, which has better accuracy.
B Card
1. Definition: Predict the future overdue probability based on the lender’s behavior after lending (observation behavior)
2. Usage scenario: Loan issuance The time period before maturity
3. Pay attention to the observation period, performance period, and time slicing issues
Division
1. Based on repayment willingness and repayment Depending on the ability, different risk levels are divided
Mild: Good repayment willingness and repayment ability, overdue for special reasons
Medium-light: Good repayment willingness and repayment ability appear Problem
Moderate: Willingness to repay has deteriorated, but ability to repay is available
Severe: No willingness to repay, ability to repay has deteriorated or been lost
2. Collection Process
SMS collection, phone collection, on-site collection, legal proceedings, third-party collection (overdue assets are packaged and sold)
3. Model composition
Repayment Rate model: predicts the rate of debt collection after collection
Aging rolling model: predicts the probability of the number of overdue people converting from mildly overdue to severely overdue
Loss of contact model: In the overdue stage, predict the probability of loss of contact for those who can still be contacted
4. Common indicators
Number of overdue days
Historical repayment rate information
Proportion of overdue amount
Proportion of debt burden
Personal information (gender, age, income, job, education, etc.)
Bank account Divided into categories 1, 2, and 3, are credit cards included?
Including credit cards, credit cards belong to Category II. Bank cards are classified as follows:
1. Category I account is a full-function account , our commonly used debit card belongs to a type of account, which has the functions of depositing and withdrawing cash, transfers, financial management, bill payment, payment, etc., and type I accounts are not subject to limit limits when used. Only one account can be opened for one type of account, which needs to be opened through a bank counter and is an account that requires real-name registration.
2. Class II card is equivalent to a wallet, its main functions are savings deposits, investment and financial management, daily consumption, payment, etc. The Type II card does not have a physical card, but is a virtual account. The funds of the Type II card come from the Type I card. The biggest difference between the Type II card and the Type I card is that the Type II account does not support cash deposits and withdrawals, nor does it support binding to non-bank accounts. Fixed account transfer.
There is also a transfer limit for Class II bank card accounts. A maximum of 10,000 yuan can be transferred per day. If a user wants to transfer 20,000 yuan a day, that is not possible. It will take two days to complete the transfer of 20,000 yuan. The maximum transfer amount per year is 200,000.
3. Compared with the first and second types of cards, the third type of card has more restrictions. The third type of card is like a coin wallet, mainly used for quick payment. The balance in the third type of card account cannot be used. If the amount exceeds 1,000 yuan, the daily consumption amount cannot exceed 5,000 yuan, and the annual consumption amount cannot exceed 100,000 yuan.
Extended information:
The three types of accounts have different functions and limits, as well as different account opening methods. Different types of personal bank accounts have different functions and permissions.
1. Type I account is a full-featured bank settlement account. It is the most versatile among the three types of accounts and has high security requirements. You can handle deposits and withdrawals, purchase investment and financial products, transfer, consumption and payment, etc. Currently, accounts with physical media, such as debit cards, that most banks open for customers at their business outlets are Class I accounts.
2. Category II accounts can handle deposits, purchase investment and financial products and other financial products, limit consumption and payment, and transfer funds to unbound accounts within limits. Category II accounts can also handle cash deposits and withdrawals, unbound account fund transfers, and can be issued physical bank cards after identity verification at the bank counter, self-service equipment, and bank staff on-site.
Among them, the total daily cumulative limit for transferring funds and depositing cash into unbound accounts of Type II accounts is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan; consumption and payment, to unbound accounts The total daily cumulative limit for transferring funds and withdrawing cash is 10,000 yuan, and the total annual cumulative limit is 200,000 yuan. There are no limits on the purchase of financial products or transfers into or out of your peers’ personal accounts.
3. Category III accounts can handle limited consumption and payment, and limited transfer of funds to unbound accounts. Category III accounts can also handle unbound account fund transfers through bank counters, self-service equipment and on-site identity verification by bank staff.
Among them, the account balance of Category III accounts shall not exceed 1,000 yuan; the daily cumulative limit of fund transfer to unbound accounts is 5,000 yuan, and the annual cumulative limit is 100,000 yuan; consumption and payment payments, to unbound accounts The total daily cumulative limit for transferring funds out of the account is 5,000 yuan, and the total annual cumulative limit is 100,000 yuan.