In the past few years since the epidemic, the credit card business has developed rapidly and played an important role in facilitating people's payments and daily consumption. However, with the continuous deepening of business expansion, some banks have encountered problems such as extensive business philosophy, weak service awareness, and inadequate risk management and control. The new regulations on credit cards have been implemented, targeting the chaos of extensive business operations. Which of them are worth paying attention to?

1. New rules for credit cards

On July 7, the China Banking and Insurance Regulatory Commission and the Central Bank issued the "Notice on Further Promoting the Standardized and Healthy Development of Credit Card Business" (hereinafter referred to as the "Notice"), requiring Banks shall not directly or indirectly use the number of cards issued as the single or main assessment indicator, and the long-term sleep card rate shall not exceed 20. They shall reasonably set the upper limit of the total credit limit of a single customer's credit card to promote the credit card business from "extensive operation" to "refined operation". change.

2. The long-term sleep card rate should not exceed 20

In vernacular, it means clearing out your extra credit cards. It is common for people to have multiple bank cards, but what is really used But there are only one or two, and over time the other cards become sleep cards. The "Overall Operation of the Payment System in the Third Quarter of 2021" previously released by the central bank showed that at the end of the third quarter of 2021, the number of credit cards and debit and credit cards in use totaled 798 million, a month-on-month increase of 0.97%. The total amount of outstanding credit card credit that is overdue for six months is 86.926 billion yuan. This not only causes a waste of resources, but also brings risks to banks and customers.

3. It is forbidden to superimpose installments on installments

You must know that many cardholders have encountered so-called "welfare feedback" launched by banks, but in fact they hope that customers will apply for credit card installment business . There are also some banks that unilaterally emphasize "zero interest", "interest-free" and other discounts when marketing and promoting credit card installment business to encourage cardholders to apply for installments. However, now the state does not allow superimposed installments, which is also a policy to control the proliferation of credit cards. Postscript: The China Banking and Insurance Regulatory Commission stated that it will continue to urge banks to effectively enhance their awareness of prudential compliance, consolidate risk management and control responsibilities, standardize business operations, improve refined management levels, and strive to achieve high-quality development.