1, lacking a good social credit system. Citizens' personal credit control is chaotic.
Good credit is the fundamental guarantee of market order and the important soul of credit card business development. On the one hand, banks pay attention to credit, on the other hand, cardholders are required to pay attention to credit. But do thousands of citizens who apply for credit cards from banks have credit? There is a lack of a good social credit system in society, and there is no similar consulting institution to control personal credit status for banks to choose from. In the process of developing cardholders, banks can only consult the applicant's unit and police station according to the documents, but the unit where the impostor works and the police station of the public security organ do not know much about the personal credit status. Under such circumstances, the issuing bank must be blind in the process of issuing cards, thus giving people with ulterior motives an opportunity.
2, the cost of counterfeiting is low, and the legal attack is too wide.
China has successively issued a series of relevant systems and measures, which have played a positive role in regulating credit card business and curbing credit card risks, but there is still a lack of comprehensive, systematic and detailed laws and regulations. Only in1June, 1995, the crime of credit card fraud was stipulated in the Decision on Punishing Crimes of Disrupting Financial Order adopted by the National People's Congress Standing Committee (NPCSC), but it needs to be further improved, concretized and quantified in practice. Therefore, it is necessary to establish and improve the application of credit card law, which is the internal factor and the first line of defense to prevent credit card risks.
3. The professional quality of the staff at the credit card acceptance point is not high, and the credit card environment needs to be optimized.
Except for a few professional cashiers in some big hotels and shopping malls, most cashiers of special merchants are not familiar with the credit card payment business, and often are not familiar with the normal credit card acceptance process, not to mention how to identify counterfeit and forged credit cards. These cashiers are not familiar with the card receiving business. First, because there are many kinds of RMB credit cards in China and their operations are different, it is difficult for cashiers to remember them. Second, the cashier of many special merchants is frequently mobilized, and there are many novices, so bank training can't keep up; Third, the current market coverage of credit cards is low, and the amount of cards used is small. Some small and medium-sized businesses only do a few transactions every day, even for a few days, and the cashier does not give internship opportunities. Like special merchants, bank acceptance outlets also have similar problems to varying degrees.
4. The quality of cardholders and operators in each link is low.
Due to the blind competition among commercial banks, they compete fiercely for the credit card market, blindly pursue the amount of cards issued, increase the annual fee income, and complete the income index of intermediary business. When you open a card, you don't fully understand the cardholder's character, but only pay attention to quantity and ignore the quality problem.
At the same time, in the management of special units, the lack of personnel and management experience makes the merchants' review of credit cards lax, giving some people an opportunity and causing risks such as fraudulent use.