After analyzing and judging the asset status of the credit card, based on the results of the classification of non-performing loans and the inherent losses, comprehensively considering the profitability and asset quality of the business, determine a reasonable bad debt provision standard, based on the true Reflect the operating results of the credit card business, improve the risk resistance of the credit card business, and further expand the scale of operations.

It is an indisputable fact that there is a policy dilemma in the write-off of credit card bad debts. Strictly implementing the existing write-off policy will make the write-off work difficult; avoiding the existing write-off policy will inevitably bring about compliance risks. The dilemma of credit card bad debt write-off policy has become a major obstacle to the healthy development of credit card business and should attract the great attention of policy-making departments.

Just making some minor adjustments to the credit card bad debt write-off policy will not bring much improvement to the current situation of credit card bad debt write-off. To fundamentally solve the problem of credit card bad debt write-offs, we must make breakthroughs in write-off policies, fully consider the characteristics of credit card business, and distinguish credit card loan write-offs from corporate business and general mortgage loan write-offs.

Introduce special and targeted write-off policies. Downplaying strict supervision, strengthening industry self-discipline, and strengthening external supervision of the industry are scientific requirements for formulating bad debt write-off policies that are consistent with the characteristics of the credit card business.

Extended information:

1. Clarify the conditions for writing off bad debts

First, cancel the specious statement "after taking all possible measures and implementing necessary procedures" The conditions for identifying bad debts are directly stated as "Bank card overdrafts that meet one of the following conditions can be identified as bad debts." That is, if they meet one of the ten listed write-off conditions, they can be identified as bad debts.

The second is to cancel the limit on the amount of recourse write-offs. Eligible write-offs of more than 20,000 yuan can also be written off, effectively preventing such accounts from litigating and reporting just to obtain write-off certification materials. Waste business costs and improve write-off efficiency.

The third is to shorten the "suspected fraud case that has been investigated by the public security for more than one year" to "the case that has been investigated by the public security for more than three months" and the "investigated by the public security for more than one year" shortened to " After more than 180 days of pursuit."

2. Simplify the write-off procedures for bad debts

First, under the policy of “autonomous write-off”, the traditional write-off model of layer-by-level declaration and level-by-level approval is changed, and centralized review is adopted. The write-off model reduces write-off links.

The second is to simplify the mandatory application and write-off materials for credit cards, retain the application summary form and debt certification materials, and do not need to submit investigation reports, declaration forms and other materials.

Third, small overdrafts and bad debts are written off in packages to reduce write-off costs and improve write-off efficiency.

Baidu Encyclopedia-Credit Card Bad Debt Write-off