Legal basis: Notice of China Banking Regulatory Commission on Further Standardizing Credit Card Business Article 13 Banking financial institutions shall prudently outsource collection business. Banking financial institutions that implement collection outsourcing should establish corresponding business management systems, and clarify the selection criteria, business training, legal responsibilities and economic responsibilities of collection outsourcing institutions. The selected outsourcing agency for collection should be approved by the senior management of the domestic headquarters of the agency, and a collection outsourcing contract with perfect management and clear responsibilities should be signed, and the commission should not be paid from the recovered arrears simply by way of commission.