China's bank card market is recognized as the fastest growing and most potential market in the world. By the end of 28, China's credit card circulation was close to 13 million, and the number of cardholders was about 1 million. Recently, however, the bad rate of domestic credit cards has been on the rise, and incidents such as application fraud and illegal cashing have appeared frequently. How to prevent risks and ensure safety has become an urgent problem. At the "Sohu 29 China Credit Card Development Seminar" held recently, the heads of credit card centers from China Bank (61988, Share Bar) and credit card experts gathered together to express their opinions on credit card risk prevention and put forward corresponding solutions. Recommended reading cycle: Ready-to-go goods are slowly descending. The rubber market is still in the process of bottoming out. In 212, non-ferrous metals will be eclipsed, sugar prices will fall below 6,5, or the trend of steel prices in 212 will be dragged down, which will make it difficult for PVC to change its weak pattern. Confidence will be slightly restored, and methanol will enter a consolidation period. A series of interviews with the pioneers of futures product innovation in 211 will form a professional bank card committee. Yang Zaiping, full-time vice president of China Banking Association, although the domestic credit card market is developing rapidly, the credit card 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 the financial crisis, how to strike a balance between developing the credit card industry, stimulating consumption and being alert to the credit card crisis, and how to prevent the increase 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 committee on bank cards to better coordinate the development of credit card business among banks. By the end of 28, the circulation of credit cards in China was close to 13 million, and the balance of accounts receivable of credit cards was 158.21 billion yuan. Cao Honghui, Secretary-General of Payment and Clearing Center of Institute of Finance, China Academy of Social Sciences, maintained the balance of multi-interest structure. In the early stage of developing bank cards, 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 been formed among merchants, cardholders and card-issuing banks. These interests are not balanced, and this imbalance has caused games and even disputes among various stakeholders. If the interests of all parties are not established more reasonably, risks will be bred from the moment the card is issued. Credit card cashing, fraud, and many bad debts are fundamentally institutional environment problems. What kind of institutional arrangements are adopted to maintain a more reasonable market interest structure and make the market develop soundly is our concern. Risk prevention requires the concerted efforts of all sectors of society * * * Wang Guoxin, deputy general manager of the credit card department of China Merchants Bank Beijing Branch, to prevent credit card risks, which is not only a matter for banks, but also requires the concerted efforts of all sectors of society, and requires the balanced development of merchants, banks and cardholders under a reasonable and legal system. At present, the counterfeit cash in the market is on the increase, 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 concerted efforts of the whole society, the risk of credit card crimes can still be controlled. Strengthening inter-bank coordination Ye Gaofeng, 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 the 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. Perfecting the Legal Environment Yang Xin, Deputy General Manager of Credit Card Marketing Center of Guangfa Bank Beijing Branch, is particularly important in terms of the current situation. In the credit card business, we still have many details to improve on system construction and legal system construction.