Credit cards do not meet regulatory requirements, which means that the use of credit cards does not meet regulatory requirements. Article 56 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks stipulates that the issuing bank shall formulate a credit card transaction authorization and risk monitoring management system, and be equipped with necessary equipment, systems and personnel to ensure 24-hour transaction authorization and real-time monitoring. Generally speaking, it means that cardholders may have bad card use behavior when spending their cards recently, such as swiping cards during the non-business hours of merchants, swiping cards frequently at the same merchant or POS machine, or always swiping cards in a lump sum or in a large amount. Suspicious transactions lead to increased account risk.

In this regard, the bank conducted a risk control early warning. In order to avoid being controlled by bank risks and reduce or even freeze cards, cardholders should pay more attention to personal card use behavior. You know, credit cards are only used for daily consumer transactions, and you can't swipe your card at non-compliant merchants.

Credit card supervision is also risk control. Risk control means that risk managers adopt various strategies and methods to eliminate or reduce the possibility of risky things. Risk control is a 1 topic in contemporary economic management, which refers to controlling the financial loss risk of enterprises. In short, it is "preventing financial losses". For easy memory, it can be understood as "risk control".

Traditional risk control technology is mostly controlled by the risk control teams of various institutions in a manual way. However, with the continuous development of internet technology and the acceleration of the whole society, the traditional risk control method has gradually failed to support the business expansion of institutions; The intelligent processing of multi-dimensional and massive data by big data and the implementation process of batch standardization can better adapt to the development requirements of risk control business in the era of information development; The increasingly fierce industry competition is also an important reason why big data risk control is so hot now.

The significance of risk control lies in that effective management of various risks is beneficial for enterprises to make correct decisions, protect the safety and integrity of enterprise assets, and achieve the business objectives of enterprises, which is of great significance to enterprises.

Risk management is a decision-making process used by social organizations or individuals to reduce the negative results of risks. On the basis of risk identification, risk estimation and risk assessment, we should select and optimize various risk management technologies, effectively control risks, properly handle the losses and consequences caused by risks, and achieve maximum security at the lowest cost.

The Risk Control and Compliance Department is the core department of credit management, operation management, planned finance, compliance management and risk control. Responsible for implementing the national economic and financial policies and regulations, standardizing the bank's various credit policies and operating procedures, organizing risk identification, evaluation and management of credit review, credit delivery, post-loan management and other businesses, organizing corresponding risk identification and internal control management in operation and management, and building internal control systems, mechanisms and corresponding systems, focusing on strengthening the awareness of risk management throughout the bank and promoting compliance.

Risk control is like a lookout on the big ship of finance, constantly identifying risks and influencing decision-making. At present, the wind control technology is not very mature, and it is still updating iterations. For some special scenes, it cannot be correctly identified. Therefore, the accidental risk control of WeChat Alipay, which we often hear, is also a microcosm of the continuous updating of technology. In the future, with the wider application of technologies such as big data, it is believed that risk control will be even more powerful and realize unprecedented value.