1. Increase industrial policy support, improve the environment for card use, and promote the rapid and healthy development of the acceptance market. It is necessary to learn from the advanced experience of developed regions, comprehensively support the actual situation of the industry, actively promote the application of credit cards in the industry, encourage merchants to accept credit cards, improve the acceptance environment of credit cards, improve the bank card system, and improve the quality of credit card services.
2. Improve the risk management system and strict business processes, strengthen internal management, and improve the risk management system from the main business positions and work links to ensure the safety of banks and cardholders' funds. In internal management, we should do a good job in the division of posts and the implementation of post responsibilities, strictly control the launch of bank card business systems of branches with weak foundation and chaotic internal management, and strictly assess the operational skills, business knowledge and moral quality of bank card business personnel.
3 to increase the training of credit card business personnel and marketing personnel, improve the quality of employees.
As a new service industry, the credit card industry has played a very important role in the national economy and has penetrated into many aspects of the national economy. At the same time, due to the characteristics of intensive elements, fine division of labor and concentrated work in the credit card industry, the credit card industry has played a diffusion and correlation effect on other industries and greatly promoted the economy. In recent years, China's credit card issuance and transaction volume have increased rapidly, and the proportion of credit card consumption in the total retail sales of consumer goods has increased. Credit card has become the most important non-cash payment tool in residents' daily life. To improve the use environment of bank cards, we should start with issuing cards. For some banks that blindly pursue business volume and relax the conditions for handling cards or induce customers to handle cards and credit cards everywhere, the main person in charge of the bank should be held accountable, and every president from the head office to the sub-branches will not be spared. Otherwise, on the one hand, it will hurt many young people, on the other hand, bad credit records will be inadvertently carried, causing great economic losses to the country.