According to Article 50 of the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, the issuing bank shall establish a credit card credit management system, dynamically manage the credit line of the credit card according to the credit status, card usage and risk information of the cardholder, notify the cardholder in time in the agreed way, and may require the cardholder to implement the second repayment source or provide guarantee when necessary.
The issuing bank shall establish a credit card business risk management system. When the issuing bank learns from the public security organs, judicial organs, the cardholder himself, relatives, transaction monitoring or other channels that the cardholder's identity document has been stolen, the family's economic situation has deteriorated, the repayment ability has decreased, the reserved contact information has expired, the credit status has deteriorated, and there are abnormal card use behaviors, it should immediately stop operations that may expand credit risk, such as increasing credit limit, authorizing card service exceeding credit limit, and authorizing installment business.
Extended data:
The relevant requirements for credit card business stipulate that:
1. Credit cards issued by commercial banks are divided into personal cards and corporate cards according to different issuers. Among them, company cards are divided into business travel cards and business purchase cards according to their uses.
2. When a commercial bank applies for credit card business, it can apply for different types of credit card business at the same time in an application report, but the type of credit card business applied for should be indicated in the application.
3. Before applying for credit card issuing or acquiring business, a commercial bank should communicate with the China Banking Regulatory Commission and its relevant agencies on the business to be applied, explain the operation mode, business process and risk control process design, business system and infrastructure construction scheme of the credit card business to be applied, and adjust and improve relevant business links according to the communication.
Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks