(1) Do a good job in the approval process to ensure that the application information is true, the amount is reasonable, and the information is accurate and complete

1. Ensure the authenticity of the applicant’s information

Approval Personnel should be very familiar with bank approval policies and conduct approvals strictly in accordance with credit card approval policies. Carefully check the completeness and logic of the application materials, and ensure the authenticity of the application information through telephone verification;

2. Confirm the authenticity of the applicant’s financial strength

Approval personnel must analyze the customer The financial resources provided are authentic and reasonable, the applicant’s reasonable income level is judged based on the applicant’s professional situation, and the credit limit is reasonably granted according to the requirements of the credit policy;

(2) Confirm the accuracy of the mailed information [JP2 ]

Approval personnel should carefully check the completeness of the customer's application materials, confirm with the customer whether the mailing address is correct, and ensure that the customer's mailing information is correct. If the customer does not receive the card due to problems with the mail delivery company, the card should be re-sent in a timely manner.

(3) Monitor abnormal transactions, prevent malicious cash-outs, and ensure reasonable uses

Overdue arrears, malicious cash-outs, and non-consumption uses can all be analyzed by analyzing the cardholder’s Judgment based on trading behavior. The focus should be on monitoring the abnormal transactions of the following types of customers:

1. High-amount customers

It is necessary to analyze the transactions of such customers to see if they have large overdrafts, Abnormal consumption and repayment, continued concentration of transactions at several merchants, etc.

2. Maximum consumption customers

Maximum consumption customers are cardholders whose consumption amount in each period is close to the card limit. In particular, cardholders who only pay the minimum repayment amount in each period have a greater risk of overdue. Banks should strengthen the monitoring of the transactions of such customers and analyze their transaction purposes, transaction merchant characteristics and recent repayment situations. Confirm whether there is any overdue risk.

3. Concentrated trading customers

When concentrated transactions occur, banks need to understand the customer situation, understand the nature of the merchant, and analyze customer transaction records. If the customer is in the wholesale and retail industry, it is likely to use the credit card for business purposes; if the customer's business scope has nothing to do with shampoo, but the transaction product is a large amount of shampoo, the customer may engage in arbitrage behavior.

4. Large-amount installment customers

Large-amount installments are generally provided by commercial banks for cardholders who consume large amounts of goods such as cars, home decoration, parking spaces, etc. for a certain fee. Installment payment business. Generally, during the customer admission process, commercial banks will conduct detailed investigations to determine customer qualifications. However, it was not checked that some customers were unable to repay their loans in time due to sudden deterioration in economic conditions. Once such a phenomenon occurs, it will cause great losses to the bank. Therefore, the bank should promptly check the customer's repayment status and provide reminders. In addition, some banks' large-amount installment business will take the form of guarantees provided by guarantee companies to reduce risks.

(4) Do a good job in merchant access and return visits to ensure that merchants do not conduct malicious cash transactions

In order to reduce the losses caused by malicious cash transactions, commercial banks should select cooperative merchants. In accordance with the requirements for merchants in the "Regulations on the Supervision and Administration of Credit Card Business of Commercial Banks" issued by the China Banking Regulatory Commission in 2011, the admission conditions are strictly reviewed, merchant qualifications are reviewed in detail, and false and high-risk merchants are eliminated. At the same time, we will do a good job in return visits and maintenance of merchants, promptly check the placement and use of merchants' POS machines, and promptly remove merchants who do not conduct business in accordance with regulatory requirements and agreements.

(5) Upgrade cards, remind customers to protect personal information and prevent malicious theft

Since 2013, in order to improve the security of cardholders, major commercial banks Actively issue chip credit cards. Since chip cards have stronger encryption technology, they have better security and have become one of the ways for commercial banks to deal with malicious fraud. Commercial banks should actively improve the security of their own products, and at the same time actively remind customers to pay attention to the security of personal information and try to avoid information leakage.

(6) Maintain high-quality customer service

High-quality customer service is a guarantee for commercial banks to maintain customer loyalty, avoid customer loss, and prevent reputational risks caused by customer complaints. Commercial banks should ensure that customer service staff have professional qualities and have a full understanding of relevant credit card products.

At the same time, it should be ensured that customer service staff can respond quickly to problems raised by customers and provide effective solutions in the shortest possible time. In addition, customer service staff should be patient and calm when handling problems raised by customers, without shirk or anger customers.

(7) Ensuring the quality of collection work

Collection work is of great significance to reducing credit card losses. Good collection work can greatly reduce the level of bad debts of commercial banks. On the contrary, inefficient collection work will only increase the risk of bad debt losses of commercial banks. In the collection process, commercial banks should adopt different collection strategies according to the overdue period. In addition, banks that hire professional collection companies should choose professional collection companies with rich collection experience and good collection results. At the same time, they should strengthen their contact with the collection companies and keep abreast of the collection progress and effects.

(8) Credit card asset securitization

Asset securitization is to convert assets with poor liquidity and difficult to realize in the short term into securities products with good liquidity and easy to trade and sell them to Investors use it to spread risk. As the scale of credit card issuance increases, the accumulated risks also continue to increase. Commercial banks can carry out asset securitization by packaging credit card receivables into asset-based securities and selling them to investors, which can effectively diversify risks while collecting receivables in advance. Asset securitization is already a relatively mature product abroad, but its development is relatively slow in my country. The early securitization products were mainly securitization products for housing loan assets. Recently, with the country's encouragement of asset securitization, some commercial banks have begun to try to securitize credit card installment accounts receivable as the basic assets to achieve the effect of diversifying risks while quickly recovering funds. We believe that as the asset securitization business continues to mature and improve in my country, more and more commercial banks will conduct risk management through credit card asset securitization business.