When applying for a credit card, there is a risk management method called "on-the-spot verification": checking the applicant's work (including position), whether the individual really wants to apply, and the operating status of the enterprise.

As an important means of risk management, on-site verification is a beneficial supplement to online risk prevention and control. In view of the fact that the front-end link can't verify the authenticity of the information, especially when the number of imported pieces by the same company increases and the suspicion of fraud increases, on-site verification is very necessary.

On-site verification case:

There was once a credit applicant with the following basic information: age 23, no education (no education), foreign household registration; No one has checked the credit information of China People's Bank; The work situation is shown as the manager of the banking department. To sum up, the amount of credit card approval authorization is more than 654.38+10,000.

It is obviously unreasonable to apply for the position of manager of banking department on the basis of "young age, no education, foreign household registration and no one doing business"

In the electric nuclear link, the work and post are verified by telephone, and the results show that the employees and posts of the company seem to be able to match.

After the credit card approver got the results of the electricity audit, he still felt that there were many doubts about fraud and decisively issued on-site verification.

On-site verification results:

On-site inspectors visited the applicant's unit to prevent credit card application fraud mainly from the following three aspects:

1, confirm whether the candidate is in the company and the specific position through the front desk or personnel;

2. Contact the applicant and confirm the authenticity of the applicant's application materials, company phone number, address and home address. ;

3. The production and operation of the applicant's company, especially the leather bag company and the company temporarily established by professional loan fraud institutions.

On-site inspectors went to the company to investigate, and the final result showed that the applicant was not an employee of the company, but only attached to the unit, not to mention being a department manager and unemployed.

In the end, the approver rejected the application, thus preventing the risk of fraud.