1. Strictly control access to card issuance to provide a good customer base for installment business. The branch requires marketing personnel to actively search for high-quality customer resources during the card issuance process, screen star-rated customers as target customers for card issuance, strictly implement the "visit and sign in person" system, and implement the card issuance business in advance by strictly controlling credit card access. , risk control in all aspects during and after the event, improve card quality, and at the same time do a good job in customer credit review and investigation to control credit card issuance risks.

2. Strictly control credit card limit adjustments and scientifically allocate scale resources within the industry. The branch issued a special quota adjustment business process, and regularly published the latest credit card business operations and risk control requirements in the credit card column in the office space of Tongchuan Branch, to effectively prevent people with ulterior motives from occupying bank funds for a long time through credit limits, and to conscientiously implement the general rules for bank employees. According to the provincial bank standards, the limit shall not exceed 100% of the employee's total salary in the previous year; if the limit of an external credit card with large consumption needs is adjusted, the cardholder's repayment ability shall be carefully implemented and strictly based on the customer's contribution star rating and card usage. Apply for quota adjustment, implement the graded approval system for quota adjustment, and improve the risk control and prevention mechanism for quota adjustment.

3. Strictly control special installment risks and implement guarantee and mortgage responsibilities. The "Implementation Rules for the Installment Business of the Peony Car Purchase Card of the Industrial and Commercial Bank of China Tongchuan Branch" are formulated, which provide an introduction to the Mudan Car Purchase Card installment business, business processing procedures, information required for handling the Mudan Car Purchase Card installment business, and the Mudan Car Purchase Card Installment Business. Business attachments and form samples are printed and distributed to all handling banks, requiring all sub-branches to conduct customer access investigations carefully and implement guarantee and mortgage responsibilities.

4. Strictly follow-up management of installment payments and strengthen system control and data entry. The branch carefully carries out the standardization and inspection of installment payment business, requiring all sub-branches to enter installment information in a timely manner, conduct risk control and management through the system, and focus on checking the compliance and authenticity of the use of installment funds. Focus on monitoring large-amount installment business transactions to remind customers to repay on time and reduce credit risks.