But what follows is that credit card risks arise frequently. Customers use POS machines, Alipay and other e-commerce platforms to cash out credit cards

, occupying bank credit funds and evading interest charges, causing banks to The income is very small. Once the customer's business fails, he will not be able to pay off his debts, and will even maliciously overdraft and delay repayment, causing huge losses to the bank. Illegal cash-out of credit cards not only disrupts the normal financial order and increases banks' credit risks, but also has a negative impact on customers' normal work and life.

It is urgent to strengthen the healthy management of credit card business and maintain the security of the financial sector. Yangzhou Postal Savings Bank took decisive measures to prevent credit card cash-out risks in a timely manner through multi-pronged measures, including before, during and after the incident. So far, there has been no malicious cash-out incident at Yangzhou Postal Savings Bank.

Strengthen pre-loan management and strictly control the review of POS special merchants. When merchants apply for POS machines, they are strictly checked to review the merchant's qualifications and business legitimacy. Once any behavior occurs for credit card users, their qualifications as authorized dealers will be revoked immediately.

Monitor large expenditures and make dynamic adjustments to credit limits in a timely manner. Carry out investigations into suspected cash-outs and prohibit merchants from conducting commercial consumption. Wholesale merchants are often a group prone to arbitrage behavior, such as decoration merchants, automobile 4S stores, etc. For doubtful transactions, the authenticity of customer transactions will be reviewed through door-to-door verification (such as cashing out for decoration), verification with merchants, and requiring customers to provide transaction vouchers (invoices, purchase orders). We will implement key monitoring and management for large-amount credit customers with personal cards and corporate cards. Strictly implement the mortgage registration system for temporary adjustment of large-amount installments. Temporary adjustment of large-amount installments must comply with the two-person investigation work system. The limit standards for credit card deposits, cash withdrawals and transfers shall be based on the relevant regulations of debit cards.

Strengthen business training and standardize the card application process. The first is to strengthen training to enable account managers and tellers to master credit card-related rules and regulations and business operation procedures, and to improve employees' awareness of risk prevention. The second is to prevent operational risks by standardizing the business operation process: when marketing, introduce the application process in detail, and it is strictly forbidden to apply on behalf of customers; before issuing the card, strictly review the information, visit and verify in person, and fully identify; when issuing the card, visit and sign in person to ensure compliance After the card is issued, focus on large-amount payments, treat them with caution, and strictly implement the limit standards.

Strengthen multi-party collaboration and popularize credit knowledge. Strengthen cooperation with the Banking Regulatory Bureau, the People's Bank of China, Industrial and Commercial Bank of China, commercial banks and other departments to establish a long-term supervision mechanism. Banks supervise cardholders and improve their ability to detect, control and capture criminals who use credit cards to illegally cash out crimes.