It is an indisputable fact that there is a policy dilemma in the write-off of bad debts of credit cards. Strict implementation of the existing write-off policy makes it difficult to carry out the write-off work. Avoiding the existing write-off policy will inevitably bring compliance risks. The policy dilemma of credit card bad debt write-off has become a major obstacle to the healthy development of credit card business, which should be highly valued by decision-making departments.
Only by slightly adjusting the credit card bad debt write-off policy, the current situation of credit card bad debt write-off will not be greatly improved. To fundamentally solve the problem of write-off of credit card bad debts, we must make a breakthrough in the write-off policy, fully consider the characteristics of credit card business, and distinguish the write-off of credit card loans from the write-off of corporate business and general mortgage loans.
Introduce a special and targeted write-off policy. Weakening strict supervision, strengthening industry self-discipline and strengthening industry external supervision are scientific requirements for formulating bad debt write-off policies that meet the characteristics of credit card business.
Extended data:
1. Define the conditions for bad debt write-off.
First, the specious condition of determining bad debts "after taking all possible measures and implementing necessary procedures" was cancelled, and it was directly expressed as "bank card overdraft that meets one of the following conditions can be identified as bad debts", that is, it can be identified as bad debts if it meets one of the ten write-off conditions listed.
Second, cancel the limit on the amount of recourse for write-off, and those with more than 20,000 yuan that meet the requirements can also be written off, effectively preventing such accounts from filing a lawsuit just to get a write-off certificate, wasting business costs and improving the efficiency of write-off.
The third is to shorten the suspected fraud category "after being investigated by the Public Security Bureau 1 day or more" to "more than 3 months after being investigated by the Public Security Bureau" and to shorten the pursuit category "after being pursued 1 day or more" to "after being pursued 180 days or more".
2. Simplify the procedures for write-off of bad debts.
First, under the policy of "independent write-off", the traditional write-off mode of step-by-step declaration and step-by-step approval is changed, and a centralized write-off mode is adopted to reduce the number of write-off links.
The second is to simplify the verification materials of credit card common declaration, keep the declaration summary table and creditor's rights certification materials, and do not need to submit investigation reports and declaration forms.
Third, small overdraft bad debts are packaged for write-off, which reduces write-off costs and improves write-off efficiency.
Baidu Encyclopedia-Write-off of Bad Credit Cards