(1) It has been in business for more than 3 years and has a good business foundation for handling retail business;
(2) It meets the monitoring indicators for asset-liability ratio management promulgated by the People's Bank of China and is in good operating condition;
(3) The business has established a scientific and perfect internal control system with clear internal authorization approval procedures;
(4) Having qualified managers and technicians and corresponding management institutions;
(5) Safe and effective computer processing system;
(six) the issuance of foreign currency cards must also have the qualification to operate foreign exchange business and the corresponding foreign exchange business management level;
(seven) other conditions stipulated by the people's Bank of China.
Expand the management authority and approval procedures of data bank cards;
(1) Commercial banks shall formulate unified articles of association or business management measures according to the provisions of the People's Bank of China on strengthening internal control and authorizing credit management, and report them to the head office of the People's Bank of China for approval. If the head office of a commercial bank is not in Beijing, it should first report to the local central branch of the People's Bank of China, and after examination and approval, the branch of the People's Bank of China will forward it to the head office of the People's Bank of China for approval.
(2) Commercial banks that have started credit card and transfer card business may apply to the People's Bank of China for issuing joint/identity cards, special cards and stored-value cards; Commercial banks offering RMB credit card business may apply to the People's Bank of China for issuing foreign currency credit cards.
(3) Commercial banks should report to the head office of the People's Bank of China for approval when issuing joint cards, IC cards and stored-value cards that are common in the whole country.
(4) When a branch of a commercial bank handles the bank card business approved by the head office of the People's Bank of China, it shall file with the local People's Bank of China with the approval document of the People's Bank of China and the authorization document of the head office. The special cards and co-branded cards used in the distribution area of branches of commercial banks shall be reported to the central branch of the local People's Bank of China for the record with the authorization document of the head office of the commercial bank and the agreement between the two parties.
Baidu Encyclopedia-Measures for the Administration of Bank Card Business