According to the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

Article 17 When a commercial bank applies to open credit card business, it shall meet the following basic conditions:

(1) ) The company has good corporate governance, its main prudential supervision indicators comply with the relevant regulations of the China Banking Regulatory Commission, it has an organizational structure and rules and regulations that are suitable for business development, and its internal control, risk management and accountability mechanisms are sound and effective;

(2) Have a good reputation, have a complete and effective internal control mechanism and case prevention and control system, and have no major violations of laws and regulations or major malignant cases in the past three years;

(3) Have directors and senior managers who meet the qualifications for office and qualified practitioners. The senior managers shall have at least one person with professional knowledge and management experience in the credit card business, have the necessary technical personnel and management personnel to carry out the credit card business, and fully implement hierarchical authorization management;

(4) Have Business premises, related facilities and necessary information technology resources that are suitable for business operations;

(5) A business system that complies with laws, regulations and business management requirements has been established within the country, and has the ability to protect relevant business system information Technical capabilities for safety and operation quality;

(6) To open foreign currency credit card business, one must have foreign exchange settlement and sales business qualifications approved by the foreign exchange administration department of the State Council and foreign exchange business qualifications (or foreign exchange business qualifications) approved by the China Banking Regulatory Commission. Business scope);

(7) Meet other prudential conditions prescribed by the China Banking Regulatory Commission.

Article 18: In addition to meeting the conditions stipulated in Article 17, a commercial bank shall also meet the following conditions when opening a credit card issuance business:

(1) The registered capital shall be paid-in capital , and not less than RMB 500 million or the equivalent in convertible currencies;

(2) Have a good foundation for handling retail business, and the scale and business structure of personal deposits and loans have been stable in the past three years. Personal deposits and loans The business customer scale and customer structure are good, the bank card business is running well, and the connection and use of the identity document verification system and the credit reporting system are good;

(3) Have a professional system for handling credit card business, and have a professional system for handling credit card business within the country. It has professional card issuance business host, credit card business application management system, credit assessment management system, credit card account management system, credit card transaction authorization system, credit card transaction monitoring and counterfeit transaction early warning system, credit card customer service center system, collection business management system, etc. Operational infrastructure, relevant facilities have passed necessary security inspections and business tests, and can ensure the integrity and security of customer information and business data;

(4) In line with the overall strategy and development plan of commercial banking business operations , which is conducive to improving the overall business competitiveness, and can continue to carry out business cost measurement, business scale monitoring and basic break-even calculations based on actual business development conditions.