Credit card, as its name implies, is a card with credit as the assessment standard. As an intermediate business of banks, it has been playing an important role in the retail business of banks with low threshold and high income. However, based on its own characteristics of consumption first and repayment later, the risk brought to banks is equivalent to unsecured micro-loans. Therefore, in order to reduce or even completely avoid the credit risk brought by customers using credit cards. Banks need to check the customer application process, strictly examine and approve the process, and strengthen risk identification. That is to say, the credit card input methods of commercial banks are basically the same, but there are some differences, which are determined by the development and business philosophy of commercial banks themselves. This paper mainly analyzes the credit card import mode of China Merchants Bank, and discusses its influence on its own development from several aspects.

Credit card, as its name implies, is a card with credit as the assessment standard. It is a kind of bank intermediary business, which has always played an important role in retail banking, with low threshold and high income, but the repayment of its first consumption based on bank risk is equivalent to unsecured micro-loans. Therefore, in order to reduce or even completely avoid the credit risk caused by using credit cards. Banks need to start from the customer application process, strictly examine and approve the process, and strengthen risk identification. That is to say, we often say that the credit card is in one piece, and the credit card of commercial banks is in the same way, but there are some differences, which are determined according to the development of commercial banks and their own business philosophy. This paper mainly analyzes the credit card entry mode of China Merchants Bank, and discusses its influence on its own development from several aspects.