The cardholder can call customer service to cancel the credit card application; Chongqing Rural Commercial Bank adopts the method of allowing cardholders to cancel their cards at any local outlets with their ID cards and credit cards. Chongqing Rural Commercial Bank can also cancel the credit card at the designated place.
Extended data:
Influenced by international and domestic political, economic and legal factors, the organizational forms of commercial banks in the world can be divided into single banking system, branch banking system, group banking system and chain banking system.
Single banking system refers to a form of banking organization in which all businesses are carried out by relatively independent commercial banks without setting up branches. This system is mainly concentrated in the United States.
Advantages: it can limit the merger and monopoly of the banking industry, be conducive to free competition, coordinate the relationship between banks and local governments, and make banks better serve the regional economic development. Because the single banking system is full of independence and autonomy, its business operation is more flexible and easier to manage.
Disadvantages: A single bank is small in scale and has high operating costs, making it difficult to achieve economies of scale. There is a contradiction between the single banking system and the outward development of the economy, which artificially causes the circuitous flow of capital to weaken the competitiveness of banks. The relative concentration of single banking business is more risky. With the popularization and application of computers, the disadvantages of a single banking system that restricts the development of banking business and financial innovation are becoming more and more obvious.
The branch system, also known as the general branch system, is a system in which commercial banks can generally set up branches outside the head office. The banking system of a branch can be handled in accordance with the instructions of the head office. According to the different management methods, it can be further divided into the head office system and the general management office system, that is, the head office is open to the outside world except for leading and managing branches, while under the general management office system, the head office is only responsible for managing and controlling branches, and except for not opening to the outside world, a branch business department is set up at the location of the head office to carry out business activities.
Advantages: The commercial banks that implement the system are large in scale and have many branches, which is convenient for banks to expand their business scope, reduce operational risks, and implement professional division of labor among branches of the head office, thus greatly improving the efficiency of banks. It is very convenient to allocate funds between branches, and it is easy to use advanced computer equipment to carry out extensive financial business and realize economies of scale.
Disadvantages: It is easy to accelerate the formation of monopoly. Banks are large in scale and have many internal levels, which increases the difficulty of bank management. Generally speaking, the branch system can better meet the needs of modern economic development, so it has been widely recognized by banks in various countries and has become the main organizational form of contemporary commercial banks.
Group bank, also known as holding company bank, refers to a holding company established by a few large enterprises or consortia and then controlled or acquired by several commercial banks. There are two types of bank holding companies:
A non-bank holding company formed by controlling the main shares of a bank through an enterprise group can hold shares of several non-bank enterprises while holding shares of a bank.
Banking holding company refers to a large bank that directly controls a holding company and holds shares of several small banks.
The chain banking system, also known as the joint banking system, refers to a system in which a group or an individual buys most of the shares of several independent banks in order to control these banks. Under this system, banks are independent in legal status and are essentially controlled by a certain group or individual.