Legal analysis: the corporate business card refers to the credit card held by the staff designated by the budget unit, which is only used for official expenses and financial reimbursement, and the unit is the main body responsible for repayment. Business cards include company business cards and personal business cards. Personal business card is a credit card held by the staff of the budget unit, which is mainly used for official expenses and financial reimbursement, and is associated with personal credit records. The corporate business card adopts UnionPay standard credit card with RMB single currency, and the issuer's identification code is "628". The card is marked with "Enterprise Business Card" in Chinese at the upper right of the front, and the cardholder's personal name (Chinese pinyin or English letters) is marked at the lower left of the front. The budget unit chooses a bank as the issuing bank of the corporate business card within the agency bank of the corporate business card. The budget unit shall, according to the actual situation of the official expenditure of the unit, designate a few specific personnel to hold the official card of the unit, and each unit shall generally not exceed 4 people. Under special circumstances, the number of cardholders may be increased as appropriate, and in principle, it shall not exceed 8. Corporate business card holders should be formal staff of budget units. Each cardholder has one card, and no one may hold more than one corporate business card.

When the cardholder leaves the unit due to resignation, retirement and other reasons, the budget unit shall handle the card cancellation procedures in time. If the cardholder changes, the unit shall cancel the original cardholder card, designate a new cardholder according to the standard card-handling process, and handle and use the official card of the unit. The credit limit of the corporate official card account shall be applied to the issuing bank by the budget unit, and the issuing bank shall approve it. Multiple corporate business cards in each budget unit share the total credit of one account, and the upper limit of the total credit during the pilot period is tentatively set at 500,000 yuan. More than 500 thousand yuan, should be approved by the competent department of the unit. The examination and approval results shall be provided to the issuing bank.

The budget unit can negotiate with the issuing bank to allocate the credit line of each card within the total amount. When the total account amount cannot meet the temporary needs of official payment, the budget unit may apply to the issuing bank for temporary adjustment. The relevant situation of temporary adjustment shall be reported to the competent department of the unit for the record. After the temporary limit adjustment period expires, the issuing bank shall restore its original limit in time.

Legal basis: Measures for the Administration of Corporate Official Cards (Trial) issued by the Ministry of Finance and the People's Bank of China.

Article 2 The term "corporate business card" as mentioned in these Measures refers to the credit card held by the staff designated by the budget unit and used only for official expenses and financial reimbursement, with the unit as the main body of repayment responsibility.

Business cards include company business cards and personal business cards. Personal business card is a credit card held by the staff of the budget unit, which is mainly used for official expenses and financial reimbursement, and is associated with personal credit records. Article 4 Within the scope of the agency bank for official cards, the budget unit shall choose a bank as the issuing bank of its official cards (hereinafter referred to as the issuing bank).

Article 5 A budget unit shall, according to the actual situation of its official expenditure, designate a few specific personnel to hold its official cards, and each unit shall generally have no more than 4 personnel. Under special circumstances, the number of cardholders may be increased as appropriate, and in principle, it shall not exceed 8.

Article 6 Cardholders of corporate business cards shall be official staff of budget units. Each cardholder has one card, and no one may hold more than one corporate business card.

When the cardholder leaves the unit due to resignation, retirement and other reasons, the budget unit shall handle the card cancellation procedures in time. If the cardholder changes, the unit shall cancel the original cardholder card, designate a new cardholder according to the standard card-handling process, and handle and use the official card of the unit.

Article 7 A budget unit shall apply to the issuing bank for the credit line of its corporate card account, and the issuing bank shall verify it.

Multiple corporate business cards in each budget unit share the total credit of one account, and the upper limit of the total credit during the pilot period is tentatively set at 500,000 yuan. More than 500 thousand yuan, should be approved by the competent department of the unit. The examination and approval results shall be provided to the issuing bank.

The budget unit can negotiate with the issuing bank to allocate the credit line of each card within the total amount. When the total account amount cannot meet the temporary needs of official payment, the budget unit may apply to the issuing bank for temporary adjustment. The relevant situation of temporary adjustment shall be reported to the competent department of the unit for the record. After the temporary limit adjustment period expires, the issuing bank shall restore its original limit in time.