1, the regulatory authorities are different.

Credit cards are approved and supervised by the China Banking Regulatory Commission, which stipulates that only leasing companies approved by it can be labeled as "finance".

Credit card borrowing (short-term) funds from the financial market does not involve the scale of credit, but involves funds or credit deposited by the public. Therefore, the amount of lease transactions (to prevent systemic risks caused by long-term use of short-term funds) should be included in the strict management of credit scale. Therefore, the leasing company is supervised as a loan department.

2. Different customers

Credit cards are mainly suitable for personal and family daily consumption payment and transfer. Customers can complete real-time inquiry, transfer, online payment and remittance through personal online banking service. The appearance of personal online banking service indicates that the bank's business tentacles directly extend to the home PC desktop of individual customers, which is convenient to use and truly reflects the elegance of home banking.

Credit cards are mainly aimed at enterprises and government departments and other enterprises and institutions. Enterprises and institutions can know the financial operation of the enterprise in real time through the online banking service of the enterprise, allocate funds within the organization in time, easily handle large online payment and salary payment business, and handle the business related to letters of credit.

3. Different evaluation methods.

The main evaluation methods of credit cards are comprehensive evaluation method and lowest evaluation price method.

The credit card evaluation method is that all members of the negotiation team concentrate on negotiating with a single supplier. The second round of quotation and final quotation will be made within the specified time, and then the purchaser will select the supplier that best meets the procurement requirements, has relatively equal quality and service, and has the lowest quotation as the supplier, and will inform all the suppliers participating in the negotiation of the final result.

Baidu encyclopedia-credit card

Baidu encyclopedia-credit card