Introduction: Improve risk prevention to ensure the safety of card use. China Construction Bank promptly adjusts its strategy according to changes in the card usage environment, establishes "three lines of defense" against fraud risks, strengthens risk management measures throughout the process, and builds a solid "firewall" for customers to use credit cards.

First, improve the credit management mechanism. The board of directors of a commercial bank and its risk management committee should make unified decisions to determine the credit card business of the bank based on factors such as their own risk appetite, the applicant's comprehensive repayment ability, and the credit granted by other banks. Credit risk control principles and standards. The "rigid deduction" policy should cover all new card-issuing customers and customers with existing fixed credit limit increases. The "rigid deduction" policy should not be used to circumvent the "rigid deduction" regulatory requirements by increasing the total credit limit or setting restrictive conditions.

The second is to advocate the concept of on-demand credit and actively guide cardholders to form a rational and healthy consumption concept of living within their means. For cardholders whose credit limit utilization rate is too high but whose repayments appear to be normal, they should carefully evaluate the cardholder's true repayment ability, adjust the credit limit in a timely manner, and prevent excessive overdraft or fund misappropriation risks caused by excessive credit.

The third is to strengthen the management of increasing fixed credit lines and granting temporary credit lines, and prudently handle cardholders' frequent applications for increasing temporary credit lines. The temporary credit limit granted to the cardholder generally does not exceed one month, and the full amount of the temporary credit limit used by the cardholder will be included in the minimum repayment amount.

The fourth is to improve the incentive mechanism and change the performance appraisal policy that one-sidedly pursues scale indicators such as card issuance volume. Optimize points rules to prevent points arbitrage risks. Strictly implement the supervision requirements of "visit and sign in person".

The fifth is to strengthen the transaction monitoring of cardholders and acquiring merchants, improve existing monitoring rules, conduct risk investigations on abnormal transaction behaviors, and take corresponding control measures in a timely manner.

Sixth, standardize collection management and improve credit card collection management systems and processes. Credit card collection notices should adopt standardized format, content and relevant terminology to protect the legitimate rights and interests of cardholders.