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1. In order to standardize the credit card business of commercial banks, protect the legitimate rights and interests of customers and banks, and promote the healthy and orderly development of credit card business, these Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the Commercial Bank Law of People's Republic of China (PRC), and the Regulations on the Administration of Foreign Banks in People's Republic of China (PRC). Commercial banks should strictly abide by laws, regulations, rules and relevant state policies, and follow the principles of equality, voluntariness, honesty and credibility. Commercial banks operating credit card business shall protect the legitimate rights and interests of customers and the security of relevant information according to law. Without the authorization of the customer, the relevant information shall not be used for other purposes than the bank's credit card business.
2. Commercial banks should establish and improve the credit card business risk management and internal control system, strictly implement authorization management, and effectively identify, evaluate, monitor and control business risks. Commercial banks engaged in credit card business should fully disclose relevant information to cardholders, reveal business risks, and establish and improve the corresponding complaint handling mechanism. China Banking Regulatory Commission and its dispatched offices shall supervise and manage the credit card business of commercial banks according to law. Business travel card refers to a credit card that a commercial bank signs a contract with a government department, a legal person institution or other organizations to establish a travel expense reimbursement relationship and provide daily business expenses and financial reimbursement services for its staff. Business procurement card refers to a credit card that a commercial bank signs a contract with a government department, a legal person institution or other organizations to establish a relationship of reimbursement of procurement expenses and provide them with services related to procurement expenses such as office supplies and office affairs.
3. The term "acquiring business" as mentioned in these Measures refers to the services provided by commercial banks for merchants to accept credit cards and complete the settlement of related funds. The acquiring business includes merchant qualification examination, merchant training, terminal installation and maintenance management, transaction authorization, transaction information processing, transaction monitoring, fund advance, fund settlement, dispute resolution and value-added services.