In order to promote banking financial institutions to improve the quality and efficiency of credit card services for the benefit of the people and the convenience of the people, and effectively protect the legitimate rights and interests of financial consumers, the People's Bank of China, the China Banking Regulatory Commission and the China Insurance Regulatory Commission recently issued the Notice on Further Promoting the Standardized and Healthy Development of Credit Card Services (hereinafter referred to as the Notice).
"The circular adheres to the problem orientation and puts forward clear and specific requirements from various aspects such as changing the development model, controlling excessive credit, standardizing the collection of interest fees, strengthening the protection of consumers' rights and interests, and strict management of foreign cooperation. Dong Ximiao, chief researcher of Zhilian Finance, said in an interview with Economic Daily that the Notice has achieved four unifications.
First, strengthen the unity of management and promote development. Banks are required to formulate prudent and steady credit card development strategies, establish scientific and reasonable performance appraisal indicators and salary payment mechanisms, standardize employee behavior and card issuance marketing, and strengthen standardized management of installment business.
The second is to clarify the unity of responsibilities and improve services. Strengthen the responsibilities of banks in credit card marketing, credit granting, risk control and collection. , such as recording important information of key links through audio and video recording or other measures, deducting credit lines obtained by customers in other banks during credit approval, and standardizing collection behavior.
The third is the unity of independent operation and standardized cooperation. It is emphasized that credit cards are licensed financial services operated by licensed institutions, and customers must apply for credit cards through banking channels, including joint credit cards, and banks cannot outsource core links without intermediaries and brokers.
The fourth is to strengthen supervision and promote innovation and unity. Put forward 3 1 no, 1 no and 74 "should". If the number of cards issued and the number of customers are not directly or indirectly taken as the main assessment indicators, the proportion of sleep credit cards should not exceed 20%, and so on.