Legal analysis: Legal. For credit card collection business, commercial banks can entrust third-party agencies to collect on their behalf.

Legal basis: "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks of the People's Republic of China" Article 17 When a commercial bank applies to open credit card business, it shall meet the following basic conditions: (1) Good corporate governance, The main prudential supervision indicators comply with the relevant regulations of the China Banking Regulatory Commission, have an organizational structure and rules and regulations suitable for business development, and have sound and effective internal control, risk management and accountability mechanisms; (2) Have a good reputation and have a complete and effective internal control mechanism and cases prevention and control system, and there have been no major violations of laws or regulations or major malignant cases in the past three years; (3) Having directors, senior managers and qualified practitioners who meet the qualifications for office. The senior managers shall have at least one person with professional knowledge and management experience in the credit card business, have the necessary technical personnel and management personnel to carry out the credit card business, and fully implement hierarchical authorization management; (4) Have business operations that are suitable for business operations. Venues, relevant facilities and necessary information technology resources; (5) A business system that complies with laws, regulations and business management requirements has been established within the country, and it has the technical capabilities to ensure the information security and operation quality of relevant business systems; (6) Opening a foreign currency credit card For foreign exchange business, it shall have the foreign exchange settlement and sales business qualifications approved by the foreign exchange administration department of the State Council and the foreign exchange business qualifications (or foreign exchange business scope) approved by the China Banking Regulatory Commission; (7) Meet other prudential conditions prescribed by the China Banking Regulatory Commission.