1. Lack of a good social credit system. Citizens' personal credit control is in a disorderly state.
Good credit is the fundamental guarantee of market order, and it is also the important soul of the development of credit card business. 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 not a similar consulting organization to control personal credit status for banks to choose from. In the process of developing cardholders, banks can only consult with the applicant's unit and police station according to the documents, while the impersonator's unit and the police station of the public security organ do not know much about personal credit status. Under such circumstances, the issuing bank must be blind in the process of issuing cards, thus giving people with bad intentions an opportunity.
2. The cost of fraud 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 in June, 1995, the National People's Congress Standing Committee (NPCSC) passed the Decision on Punishing Crimes of Disrupting Financial Order, which stipulated credit card fraud, but it still needs to be further improved, concretized and quantified in practice. Therefore, it is necessary to establish and improve the applicable law of credit card, 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 card environment needs to be optimized.
Except for a few professional cashiers in some big hotels and shopping malls, most cashiers in special merchants are unfamiliar with credit card payment business, and they are often unfamiliar with normal credit card acceptance procedures, let alone how to identify counterfeit and forged credit cards. These cashiers are unfamiliar with the card receiving business. First, because there are many types of RMB credit cards in China and their operations are different, it is difficult for cashiers to memorize them. Second, many special merchant cashiers are 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 merchants only make a few transactions every day, or even a few days, and cashier personnel are not given the opportunity to practice. Like special merchants, bank acceptance outlets also have similar problems to varying degrees.