According to the annual report of CITIC Bank, the bank issued 11,323,9 credit cards, an increase of 9.4% over the end of last year; The credit card balance was 527.742 billion yuan, an increase of 42.51 billion yuan over the end of last year; The credit card transaction volume was 2,78.135 billion yuan, up 14.5% year-on-year, and the credit card business income was 59.128 billion yuan.
under the influence of the epidemic, how to improve the financial service ability and boost consumption through digital transformation has become a hot spot. In 221, the State Council issued the "14th Five-Year Plan for the Development of Digital Economy", clearly pointing out that the digital economy is a digital transformation of all factors, encouraging banking financial institutions to innovate products and services, and increasing support for the core industries of the digital economy.
artificial intelligence becomes a breakthrough. According to relevant sources, at the level of intelligent use of AI, the outbound ability of the credit card AI outbound robot of CITIC Bank doubled year-on-year, covering more than 3 business scenarios such as service, marketing, credit and risk, realizing income generation from consumer finance and intermediary business, stimulating active customer transactions, and saving about 7 sales and collection personnel.
"The annual processing capacity of the intelligent outgoing call system in 221 is equivalent to 2,5 manual seats." Relevant sources revealed.
risk control is also a difficult point. The annual report shows that in terms of risk prevention and control, CITIC Bank Credit Card has built a comprehensive and accurate risk model system based on big data and intelligent technology, and the accuracy rate has increased by over 1% compared with traditional methods; Based on the open source distributed graph database, a customer relationship graph with 8 billion customer relationship layer data is constructed, which runs through the whole chain of risk control before, during and after lending, covering anti-fraud in pre-lending application, anti-fraud in lending transaction and post-lending collection. In 221, the loss of intelligent risk control will exceed 5 million.
after the national goal of "double carbon" was put forward, the innovation of green financial products emerged one after another. In March of this year, the internal test version of CITIC Carbon Account launched by the bank for individual users went online, becoming the first personal carbon account launched by domestic banks. According to the accounting forecast of this carbon account, credit card users can reduce more than 2 million tons of carbon emissions every year through low-carbon behavior in online financial services.
corroborating each other, the data released by the National Development and Reform Commission in early March shows that consumption will once again become the first driving force of economic growth in 221. In the industry's view, credit cards may become an important thrust.
The Report on the Development of Credit Card Industry in 221 recently released by Sina Finance also pointed out that since 221, with the recovery of consumption after the epidemic, the gradual recovery of the domestic economy, and the cancellation of the upper and lower limits of credit card overdraft interest rates by the central bank, various indicators of the credit card industry have been continuously improved, and it has become the most widely used non-cash payment tool for China residents. At a critical time, credit cards also play the role of serving the public and the real economy.
this third-party report believes that in the post-epidemic era, major banks have rushed to the mobile terminal, and credit cards are an important starting point for the digital transformation of banks. Related Q&A: Related Q&A: Credit cards can't be used to repay loans. Will the number of people who storm thunder double?
Credit cards can't be used to repay loans. It just emphasizes the standardization of credit cards again. It must have a great impact on those who rob Peter to pay Paul. Originally, credit was used for normal consumption, shopping and going to designated places. But now many people have too many credit cards in their hands, and they try to use them for real estate speculation or investment. In essence, it is pushing up the leverage of credit cards and increasing the risks. The credit card quota is not arbitrary, but the bank issues it according to the profit or its own lending quota.
Although credit cards have been issued for a long time, the issuance of credit cards was a mere formality and its use was very irregular. The bank's consumer loans are also blatantly flowing into real estate. Many people are constantly swiping credit cards, cashing in or swiping one card after another to make up for their black hole of funds. In the final analysis, I still have problems with my financial situation. Cardholders do not standardize credit card swiping, and banks are not so serious and have no serious supervision. Now, the regulatory authorities have made it clear, emphasizing the norms of the use of credit cards, and specifying the places that cannot be used. Therefore, it is best for cardholders to use their cards in a standardized manner, otherwise they are likely to be blocked. And it will become more and more difficult to get a credit card in the future.
For those who have online loans, multiple credit cards, and are unable to pay back the money, the standardization of credit cards has only accelerated their explosion speed and cut off their disguised financial chain. No lie can be made up perfectly forever. Similarly, there will be no perfect credit card cheating in this world. When the time comes, everything will wake up like a dream, and the dust will return to the dust and the soil will return to the ground.