China's bank card market is recognized as the fastest growing market with the greatest potential in the world. By the end of 2008, China's credit card circulation was close to 654.38+0.3 billion, and the number of cardholders was about 654.38+0 billion. Recently, however, the bad rate of domestic credit cards is on the rise, and incidents such as application fraud and illegal cashing frequently appear. How to prevent risks and ensure safety has become an urgent problem. At the "Sohu 2009 China Credit Card Development Seminar" held recently, credit card center leaders and credit card experts from Bank of China (60 1988) and various banks gathered together to express their opinions on credit card risk prevention and put forward corresponding solutions. The ready-made goods in the recommended reading cycle are slowly declining. The rubber market is still in the process of bottoming out. 20 12 nonferrous metals were eclipsed, sugar prices fell below 6500, or steel prices started to move 20 12, or low demand dragged down the weak situation of PVC, and confidence recovered slightly. Methanol will enter a consolidation period. 20 1 1 Series Interview The leading figures in futures product innovation will form a professional bank card committee, China. Yang Zaiping, Full-time Vice President of Banking Association Although the domestic credit card market is developing rapidly, the credit card market system in China needs further development and improvement. Not only the banks themselves should be standardized, but also the cardholders themselves should be standardized. This concept needs to be further promoted. Under the background of financial crisis, how to strike a balance between developing credit card industry, stimulating consumption and guarding against credit card crisis, and how to prevent the rise of domestic credit card non-performing rate should become a problem for domestic card issuers to think about. At the same time, the Banking Association will set up a professional bank card committee to better coordinate the development of inter-bank credit card business. By the end of 2008, China's credit card circulation was close to 654.38+0.3 billion, and the balance of credit card accounts receivable was 6543.8+0.58265438+0 billion yuan. Cao Honghui, Secretary-General of the Payment and Clearing Center of the Institute of Finance of China Academy of Social Sciences, maintains the balance of multiple interests. In the early stage of bank card development, banks were in an absolute dominant position. However, with the process of marketization, the degree of marketization of bank cards has also begun to improve, and a diversified interest relationship has formed among merchants, cardholders and card-issuing banks. These interests are unbalanced, and this imbalance has caused games and even disputes among stakeholders. If the interests of all parties are not established more reasonably, risks will arise from the moment the card is issued. Credit card cashing, fraud and many bad debts are all institutional environment problems. What kind of institutional arrangements should be adopted to maintain a more reasonable market interest structure and make the market develop healthily is our concern. Risk prevention needs the joint efforts of all sectors of society. Wang Guoxin, deputy general manager of the Credit Card Department of China Merchants Bank Beijing Branch, said that this is not only a matter for banks, but also requires the joint efforts of all sectors of society. Merchants, banks and cardholders need to achieve balanced development under a reasonable and legal system. At present, there are more and more counterfeit money in the market, and banks have also taken some measures. However, the risk prevention of credit cards is not entirely a matter for banks, and all aspects of society should play a certain role. For example, judicial procedures should be established as soon as possible and efforts should be made to crack down on illegal activities. With the joint efforts of the whole society, the risk of credit card crime can still be controlled. Strengthening inter-bank coordination Ye, head of the credit card department of the Bank of East Asia, will play an important role in preventing credit card risks. There should be both competition and cooperation between banks. For example, the credit limit of a cardholder's credit card, a person's personal credit is always limited. When issuing credit products between banks, there should be a mutual cooperation mechanism to comprehensively examine the personal credit situation of users. Yang Xin, Deputy General Manager of Credit Card Marketing Center of China Guangfa Bank Beijing Branch, is particularly important in view of the current situation. In terms of credit card business, we still have many details to be perfected in terms of system construction and legal system construction.