The differences between credit cards and credit cards are as follows:

1. Different regulatory authorities

Credit cards are approved and supervised by the China Banking Regulatory Commission, and it is stipulated that only they approve the establishment of leases Only companies can be named "finance".

Credit card borrowing (short-term) funds from the financial market does not involve the issue of credit scale, but involves the funds or credit of public deposits, so the lease transaction amount (in order to prevent the systemic risk caused by the long-term use of short-term funds) It should be included in the strict management of credit scale. Thus leasing companies are supervised as lending departments.

2. Different service targets

Credit cards are mainly suitable for daily consumption payments and transfers of individuals and families. Customers can complete real-time inquiries, transfers, online payments and remittance functions through personal online banking services. The emergence of personal online banking services marks the extension of banks' business reach directly to individual customers' home PC desktops. It is easy to use and truly embodies the style of home banking.

Credit cards are mainly targeted at corporate customers such as enterprises and government departments. Enterprises and institutions can use corporate online banking services to understand the company's financial operations in real time, allocate funds within the organization in a timely manner, easily handle large batches of online payment and salary payment services, and handle letter of credit-related businesses.

3. Different evaluation methods

The main evaluation methods for credit cards are the comprehensive bid evaluation method and the lowest bid price method.

The credit card evaluation method is that all members of the negotiation team focus on negotiating with a single supplier. And conduct the second round of quotations and the final quotation within the specified time, and then the purchaser selects the supplier that best meets the procurement needs, has relatively equal quality and service and has the lowest quotation as the supplier from the transaction candidates proposed by the negotiation team, and Inform all non-deal suppliers participating in the negotiation of the final outcome.

Baidu Encyclopedia-Loan Card

Baidu Encyclopedia-Credit Card