According to Article 92 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, commercial banks shall implement classified management of credit card risk assets, and the classification criteria are as follows:
(1) Normal category: the cardholder can fully repay the payables before the due repayment date (inclusive) according to the repayment rules agreed in advance.
(2) Category of concern: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 1-90 days (inclusive).
(3) Sub-category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 9 1- 120 days (inclusive).
(4) Suspicious category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days are 12 1- 180 days (inclusive).
(V) Loss category: the cardholder fails to fully repay the payables on the due repayment date according to the repayment rules agreed in advance, and the overdue days exceed 180 days.
On the premise that the business system can support it, the classification operation is legal and compliant, and the classification method and data calculation method have been approved by the CBRC and its relevant agencies, commercial banks are encouraged to adopt more prudent credit card asset classification standards, continuously pay attention to and regularly compare relevant important risk management indicators such as reserve provision and risk asset measurement, and take corresponding risk control measures.
Extended data:
Measures for the supervision and administration of credit card business of commercial banks Article 52 The issuing bank shall establish a risk management system for credit card business. When the issuing bank learns from the public security organs, judicial organs, cardholders themselves, relatives, transaction monitoring or other channels that cardholders have risk information such as stolen identity documents, deteriorating family financial status, declining repayment ability, invalid reserved contact information, deteriorating credit status, and abnormal card use behavior;
Operations that may increase credit risk, such as increasing credit line, authorizing credit card service to exceed credit line and authorizing installment business, should be stopped immediately, and risk management measures such as improving transaction monitoring, reducing credit line, stopping payment, freezing or implementing the second repayment source should be taken as appropriate.
Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks