Keywords: preventive measures for credit card risk situation
Chinese picture classification number: F84.42
Document identification code: A
Article number: 14-4914(214)2-178-2
Since 212, with the economic downturn and the decline of credit of some cardholders, The risk pressure of credit card business is increasing, and it is expected that this trend will not only be difficult to change in a short period of time, but also may be further aggravated. Therefore, strictly controlling the quality of card issuance, effectively expanding the scale of credit use, increasing the collection of bad overdrafts and controlling bad overdrafts have become the top priority of credit card business.
1. Strictly control the risk of marketing acceptance
1. Standardize marketing behavior, adopt stricter card issuance access, and issue cards cautiously. Implement the "three relatives" regulation of marketing acceptance post. That is to say, we must meet the customer personally, see the original customer identity document and see the customer's signature.
2. Carefully accept the card application of customers without fixed work units. Credit card customers must have a fixed work unit or a stable source of income. For freelancers or self-employed people who have no fixed jobs, they should be cautious in their development and provide proof of income or property with repayment ability upon request.
3. Do three "no" card issuing. It is strictly forbidden to accept applications for handling cards of unknown origin, and it is strictly forbidden to cooperate with third parties such as intermediaries to issue cards or accept intermediaries.