What are the credit card risk account management and control measures?
The credit card risk account management and control measures include: improving risk prevention awareness; strictly controlling marketing acceptance risks; strict credit review; strengthening personnel training for special merchants; Strengthen internal management, establish and improve risk control mechanisms; strengthen the prevention function of credit cards themselves; strengthen overdraft management; use legal means to control credit card risks; transfer risks and establish a credit card insurance mechanism.
Risk control refers to risk managers taking various measures and methods to eliminate or reduce the possibilities of risk events, or to reduce the losses caused when risk events occur. The four basic methods of risk control are: risk avoidance, loss control, risk transfer and risk retention.
Bank of Communications Credit Card Risk Management
Currently, Bank of Communications is recognized as the bank with strict risk control. In particular, credit card users with higher credit limits will be very nervous when making large transactions. strict. For example, if you make a large amount of consumption just after opening the card or have a fixed large amount of consumption every month, the probability of the cardholder being "risk controlled" will be very high. Therefore, in order to avoid being "misunderstood" by the bank when using the card, cardholders should try not to use the same POS machine for large purchases, and at the same time, they should ensure that they do not max out the card. If you really need to make a large purchase, the editor recommends that you use up to 70% of the credit card limit at one time, and the charge should not be an integer. It is much better to use POS machines to make purchases with points.
In addition, after a large purchase, you can make several small purchases. Especially for users who have just opened a card, it is better to go to a large supermarket to make a few small transactions first, which is also a good way for you to use the card normally. a proof of. Another way is to make installment payments. From the perspective of benefits, banks encourage users to make installment payments. If you make installment payments occasionally, the bank will "trust" you more.
Compared with Bank of Communications, the risk control management of Bank of China, Industrial and Commercial Bank of China and China Merchants Bank is more humane. Cardholders who want to do credit card financing can give priority to these companies, provided that they must repay on time. Be sure not to exceed the deadline and make financial and consumption plans, otherwise you will become a card slave and get twice the result with half the effort.
What are the credit card risk management requirements of Bank of Communications?
The requirement is that the card-issuing bank shall comply with the following credit card business risk control indicators: (1) The amount of a single overdraft for the same cardholder shall not exceed the personal card limit 20,000 yuan (including the equivalent in foreign currencies), and corporate cards shall not exceed 50,000 yuan (including the equivalent in foreign currencies). (2) The monthly overdraft balance of the same account on a personal card shall not exceed 50,000 yuan (including the equivalent in foreign currencies), and on an corporate card shall not exceed 3% of the comprehensive credit limit of the unit issued by the card-issuing bank. For units that have no comprehensive credit limit to refer to, their monthly overdraft balance shall not exceed 100,000 yuan (including the equivalent in foreign currencies). (3) The overdraft limit of a foreign currency card shall not exceed 80% of the cardholder's security deposit (including the pledged amount of the savings certificate). (4) The average monthly overdraft balance that occurs for more than 180 days (including 180 days, the same below) from the date of implementation of these measures shall not exceed 15% of the average monthly total overdraft balance.
This is the end of the introduction about credit card risk management and what the credit card risk management department does. I wonder if you found the information you need?