It is suggested that commercial banks within their jurisdiction should strictly implement the real-name registration system Regulations on Individual Deposit Accounts (Order No.285 of the State Council) and the relevant regulations of China Banking Regulatory Commission and China Insurance Regulatory Commission. The same customer can only open one Class I account in the same commercial bank, and in principle, no more than four debit cards can be opened; In principle, no more than three cards are opened by the same agent in the same commercial bank. At the same time, it is forbidden for bank cards and related binding businesses to engage in vicious competition through promotional means such as gifts, competitive discounts and overweight discounts.
In terms of strengthening the prudent management of credit approval, commercial banks within their jurisdiction should strictly implement unified credit management, merge the credit lines, installment credit lines and cash withdrawal credit lines of multiple credit card accounts under the customer's name, which shall not exceed the set upper limit of the total credit line, and include the credit lines of other banks under the customer's name into the consolidated management of the bank's credit lines. Commercial banks within their jurisdiction should pay attention to reviewing the first repayment source and establish a reasonable control mechanism for the proportion of income to principal and interest; For the credit card special installment business, the approval conditions shall not be relaxed due to the risk compensation measures of the cooperative institutions.
In addition, Beijing Banking Insurance Regulatory Bureau requires commercial banks to review the credit line of customers at least once a year, and increase the frequency of review for high-risk customers. At the same time, the frequency, validity period and time interval of temporary quota increase should be set reasonably. A single temporary quota increase shall not exceed one billing cycle, and it shall not be recovered without approval.
On the classification standard of risk assets of credit card installment business, commercial banks in Beijing should establish a prudent classification standard of risk assets of credit card installment business, and should not classify risk assets in a single transaction. When overdue occurs, the classification result of risky assets in the transaction shall be confirmed according to the longest overdue days. Commercial banks within the jurisdiction of Beijing shall not re-installment the overdraft balance that has been phased, unless there is a personalized installment repayment agreement; The outstanding overdraft balance after signing the personalized installment repayment agreement should be directly classified as secondary or suspicious assets.
In order to prevent risks, the above-mentioned documents also require that commercial banks in Beijing should strengthen the analysis of new cash-out risk characteristics such as small-sum multi-cycle cash-out repayment of credit cards and overseas cash-out, constantly optimize the cash-out transaction monitoring model, and take effective measures to prevent risks such as delayed exposure of credit risks, sharing debt risks with banks, and cross-border money laundering.