Abstract: The article analyzes the credit card risk situation of the Agricultural Bank of China in Linhai City, Zhejiang Province, and proposes credit card preventive measures.

Keywords: Preventive measures for credit card risk situation

CLC classification number: F840.42

Document identification code: A

Article No.: 1004-4914 (2014) 02-178-02

Since 2012, with the economic downturn and the decline in creditworthiness of some cardholders, Zhejiang Linhai Agricultural Bank of China (hereinafter referred to as our bank) has credited The amount of bad overdrafts on credit cards has increased. As of September 2013, the number of bad overdrafts on credit cards has risen to 4.77 million yuan, an increase of nearly 2 million yuan from the beginning of the year. The situation is very serious. The risk pressure of the credit card business continues to increase. It is expected that this trend will not only be difficult to change in a short period of time, but may further intensify. Therefore, strictly controlling the quality of card issuance, effectively expanding the scale of credit, increasing efforts to collect bad overdrafts, and controlling bad overdrafts have become the top priority of credit card business.

1. Strictly control marketing acceptance risks

1. Standardize marketing behavior, adopt stricter access to card issuance, and issue cards with caution. Implement the “three personal meetings” requirement for marketing acceptance posts. That is to say, it must be done: see the customer in person, see the customer's original ID card, and see the customer's signature in person.

2. Carefully accept card applications from customers without a fixed workplace. Credit card customers must have a fixed job or a stable source of income. Freelancers or self-employed individuals without a fixed job should develop with caution and be required to provide proof of income or property certification with the ability to repay the loan.

3. Follow the three "strict prohibitions" on card issuance. It is strictly prohibited to accept card applications from unknown sources, and it is strictly prohibited to cooperate with third parties such as intermediaries to issue cards or accept intermediaries