Keywords: credit card risk prevention measures
China Library Classification Number: F840.42
Document ID: a
Article number:1004-4914 (2014) 02-178-02.
Since 20 12, with the economic downturn, the credit of some cardholders has declined, and the credit card bad overdraft of Agricultural Bank of Linhai City, Zhejiang Province (hereinafter referred to as the bank) has increased. As of September 20 13, the bad overdraft of credit cards has risen to 4.77 million yuan, up nearly 2 million yuan from the beginning of the year, and the situation is very serious. The risk pressure of credit card business is increasing, and it is expected that this trend will not only be difficult to change in a short time, but may further intensify. Therefore, strictly controlling the quality of card issuance, effectively expanding the scale of credit use, increasing the collection of bad overdrafts and controlling bad overdrafts have become the top priority of credit card business.
First, strictly control the risk of marketing acceptance
1. Standardize marketing behavior, adopt stricter card issuance access, and issue cards cautiously. Implement the "three relatives" regulation of marketing acceptance post. In other words, you must see the customer in person, see the original customer identity documents and see the customer's signature.
2. Seriously accept the card application of customers without fixed work units. Credit card customers must have a fixed work unit or a stable source of income. For freelancers or self-employed people who do not have a fixed job, they should develop cautiously and provide proof of income or property with repayment ability as required.
3. Do three without issuing cards. It is strictly forbidden to accept applications for issuing cards of unknown origin, and it is strictly forbidden to cooperate with third parties such as intermediaries to issue cards or accept intermediaries.