"sleep card" clean-up efforts will be intensified.

"sleep card" clean-up efforts will be intensified.

Efforts to clean up the "sleep card" will be intensified. Since last year, many banks, such as China Everbright Bank and China CITIC Bank, have issued notices to clean up substandard "sleep accounts" and "excess accounts" under the same customer name. "sleep card" clean-up efforts will be intensified.

1 The cleanup of "sleep card" will be intensified. From scale warfare to intensive cultivation, a rectification work for "sleep" credit cards is under way.

The reporter of China Business News noticed that China Postal Savings Bank (hereinafter referred to as "Postal Savings Bank") recently issued an announcement to adjust the maximum credit card held by customers in the bank. Insiders pointed out that in the future, it is expected that banks may intensify their efforts to clean up "sleep card" or enhance the activity of "sleep card".

In February, 2002 1,1,China Banking Regulatory Commission issued the Notice on Further Promoting the Standardized and Healthy Development of Credit Card Business (Draft for Comment) (hereinafter referred to as the Notice), requiring banks not to directly or indirectly take the number of cards issued, the number of customers, market share or market ranking as single or main assessment indicators.

Zheng Dong, a senior expert in credit card research, said that in the era of intensive cultivation, banks are faced with a "narrow" market with increasingly subdivided preferences. Expanding customers may increase the cost of banks, which requires banks to accurately connect with high-frequency and high-activity customers and improve product revenue.

Clean up "sleep card"

A few days ago, the Postal Savings Bank announced that in order to better protect customers' credit card security, it is planned to adjust the number of credit cards held by the same customer as follows from February 16, 2022: The maximum number of valid credit cards held by the same customer in the bank is 5 (including 5). If the maximum number is reached, it will be impossible to successfully apply for a new card, and customers can reduce the number of valid cards under their name to less than 5 (excluding 5) by returning the cards.

Postal savings bank is not the first bank to limit the number of credit cards held by the same customer in its own bank.

"Holding too many credit cards in the same bank will not only increase the redundancy in the bank management process, but also bring potential fraud and credit risks." Li Yulin, a postdoctoral fellow at China Banking Research Institute, told the reporter that from the bank's point of view, issuing multiple credit cards or debit cards to customers in pursuit of card issuance not only wastes resources, but also generates unnecessary management costs. For a huge bank background management system, it may also increase the computational burden; Too many cards increase the possibility of being used by criminals, and the potential risk of credit card fraud increases; In addition, the possibility of credit card funds flowing to improper areas has also increased.

"In the past, when banks designed credit card products, they often had' slapping their heads'. Paying attention to the fan effect and combining some popular IP co-branded cards is a good choice, but not all hot spots and themes can be chased. " Zheng Dong believes that some banks carry out "take it for granted" innovation when designing products, which sometimes does not meet the actual needs of customers, and issue theme cards to customers who have no time and ability to spend, so extensive card issuance has emerged.

In view of the problem that some banks blindly pursue scale effect and market share, and the phenomenon of excessive and repeated card issuance is prominent, which leads to disorderly competition and waste of resources, the Notice requires that the proportion of long-term sleep credit cards with customers not actively trading for more than 18 months and zero overdraft balance and overpayment in the current period shall not exceed 20% of the total card issuance of this institution at any time, and banks exceeding this proportion shall not issue new cards.

In response to a reporter's question, the person in charge of the relevant department of the China Banking Regulatory Commission said that in the future, the proportion limit standard for long-term sleep credit cards will be dynamically lowered, and the industry will be constantly urged to reduce the sleep card ratio to a lower level.

"In fact, the concept of intensive cultivation has been mentioned in banks for many years." A person from the credit card center of a city commercial bank told reporters that there were many gaps in the consumer market in the past, and supervision in some areas was weak. The combination of the past economic growth model and the characteristics of the banking exhibition industry has made banks pay more attention to the expansion of scale, but not to the promotion of deep excavation, product business ability and comprehensive service ability. Nowadays, while consumers' demand for credit products is increasing, their demand for service level is also increasing. Under the concept of extensive management, high growth is unsustainable, and the credit card industry will surely turn into a high-quality development track.

"In addition, in recent years, in order to seize the huge personal credit consumption market, banks have pursued the scale of issuing cards. Extensive development has led to weak subsequent growth of credit card scale and declining asset quality. " Li pointed out that according to estimates, the growth rate of card issuance in use in China in 20021year dropped by more than 20 percentage points compared with that in 20 17, and the total outstanding credit of credit cards overdue for half a year exceeded the level at the end of 2020, which was seriously affected by the epidemic.

"From the perspective of consumers, in the absence of a long-term supervision mechanism for credit card business, repeated card issuance, excessive credit granting and other industry chaos may lead to violations of consumer rights and even damage to personal credit, and it is urgent to supervise and rectify. According to the statistics of the Consumer Protection Bureau of China Banking and Insurance Regulatory Commission, China, more than 50% of the problems reflected in the complaints about bank consumption received by China Banking and Insurance Regulatory Commission and its dispatched offices are concentrated in the credit card business. On the one hand, the increase in complaints about credit card business reflects the enhancement of consumers' personal credit awareness, on the other hand, it also reflects the irregular development of credit card business. " Li Yulin said.

Accurately expand the "narrow mass" market

"In the past, banks liked' big base', and a big customer could even' eat' some banks for a year or two." The person from the credit card center of the above-mentioned city commercial bank said, "Now we must not only ensure the risk management under the premise of compliance, but also meet the various financial needs raised by customers, upgrade the customer experience and protect the rights and interests of consumers."

Li Yulin also pointed out that at present, the banking industry generally regards retail business as a starting point to cope with market competition and change the traditional business model. As an important link, the credit card business will continue to strengthen the economic attributes of the service entity and pursue refined and high-quality development.

Li Yulin believes that in the next step, banks should constantly improve their business norms, reverse the development model of excessive card issuance and excessive credit granting, and establish a scientific and long-term compliance development strategy and internal assessment system from the perspectives of banks, customers and social credit management systems; Improve the transparency of credit card interest and fees, and promote the reasonable decline of interest and fees on the basis of bridging the degree of information asymmetry; Strengthen the interaction with the retail lines of the whole bank to enhance the richness of consumption scenarios and customer activity; Appropriate cooling-off period should be set to prevent excessive consumption and improve transaction health and consumer satisfaction.

A person from a bank's credit card center told reporters that in the era of intensive cultivation, banks need to make breakthroughs in obtaining customers, customer management, and building China-Taiwan. "In terms of customer acquisition, it is necessary to strengthen the group acquisition of young high-quality customers, high-net-worth customers and business customers, and strengthen scene acquisition and multi-channel collaboration; In customer management, it is necessary to carry out process reengineering with customer experience as the center, and carry out closed-loop operation of customers, scenarios, data and services; In terms of refined management with the construction of the middle office as the core, it is necessary to strengthen data-driven and scene-based management, and build a digital business intermediate platform and a data intermediate platform to lay a solid foundation for further improving the degree of refined management and decision-making efficiency. "

"Now, especially the preferences of young customers are becoming more and more subdivided, and the segmentation areas corresponding to each interest will be allocated less and less. In the future, credit card developers will face a' narrow crowd' market. " Zheng Dong said, "Expanding the' narrow crowd' market may increase the cost of banks, but' all-inclusive' is meaningless. In a narrow market, the bank's products must bring high returns, which needs to ensure the high frequency and high activity characteristics of customers.

"sleep card" clean-up efforts will be even greater. Have you ever been unable to pay anything recently and your bank card is in an abnormal state when transferring money? If so, your bank card may be included in the clearance scope. On the 8th, the reporter learned that China Industrial and Commercial Bank announced that it would gradually implement account function adjustment for personal bank accounts such as long-term immobility. In the past, a zero account balance may be classified as a sleep account, but this clean-up stipulated that insufficient account balance 10 yuan may also be classified as a sleep account. Since last year, many banks, such as China Everbright Bank and China CITIC Bank, have issued notices to clean up substandard "sleep accounts" and "excess accounts" under the same customer name.

According to the announcement issued by ICBC, as of June 5438+1October 10, 2022, there was no active customer transaction for more than three consecutive years (including three years), and the balance of current account was less than 10 yuan. Accounts that have not signed collection and payment agreements such as credit card and personal loan repayment have been included in the scope of this investigation by ICBC.

In addition, if an individual opens multiple settlement accounts under the same customer's name and holds more than four first-class personal settlement accounts, and uses multiple accounts at ICBC outlets without justifiable reasons, the account function will be adjusted to only accept and not pay. If the user's account is within the scope of "long-term inactive" bank account survey and wants to continue to use it, it must complete an active account transfer transaction before 65438+ 10/0 in 2022, which is regarded as an activated account. For overdue inactive accounts, the account function will be adjusted to only accept and not pay.

The definition of "long-term immobile" personal bank account of Bank of Communications is close to that of ICBC. Personal bank accounts that have not been transferred for more than three consecutive years (including three years), with an account balance of 10 yuan or less, and have not signed payment agreements such as credit card and personal loan repayment, will be suspended, including active billing transactions such as transfer, withdrawal, consumption and online payment.

Since last year, a number of banks have issued announcements to clean up sleep accounts, and Ping An Bank and Industrial Bank have also issued announcements to clean up existing accounts, including "one person with multiple households" and "long-term fixed accounts". Recently, Anshan Rural Commercial Bank, Haicheng Rural Commercial Bank, Xiuyan Rural Commercial Bank, Tai 'an Rural Credit Cooperative and other financial institutions have started to clean up Class I households with one person and many households according to the work arrangement of Liaoning Rural Credit Cooperative.

If the cardholder's settlement account is restricted from trading, he can show his valid identity certificate and bank card (discount) to any branch of the bank to explain the rationality and downgrade the account. It is understood that cleaning up abnormal accounts can improve the efficiency of account resources, facilitate more refined management of banks and prevent fraud risks. For individual users, it can also prevent telecom fraud and ensure the safety of funds.

Sleep card's clean-up efforts will be intensified. Recently, Industrial and Commercial Bank of China issued notices on checking individual bank accounts such as "long-term immobility" and "one person with multiple households". Bank cards have now become a necessity for people, and many people even open multiple bank cards in different banks. The reporter learned that in order to facilitate cardholders to inquire about long-term unused bank cards and cancel their accounts in time, UnionPay United Commercial Bank launched a "one-click card search" service based on the unified bank App, which is expected to be launched in Guangzhou this year.

Banks continue to carry out "sleep card" clean-up work.

According to the circular, ICBC will continue to carry out the investigation of personal bank accounts (debit cards and current passbooks) such as "long-term immobility" and "one person with multiple accounts". Among them, the scope of investigation is that individuals have not moved their bank accounts for a long time. As of June 2022, 65438+1October 10, there was no active customer transaction for more than three consecutive years (including three years), the balance of the current account was less than RMB 10 yuan, and the account function was adjusted to only receive and not pay.

It is reported that individuals open multiple settlement accounts and hold more than four first-class personal settlement accounts under the same customer's name. It is not justified to use multiple accounts at ICBC outlets, and their account functions are also adjusted to only accept and not pay. ICBC said that the high-risk areas of telecom fraud can adjust the scope of investigation according to the needs of "card-breaking action" and make an announcement through business outlets and other channels according to local regulatory requirements. The survey time is June 65438+1October 2022 1 1, and the account function will be gradually adjusted according to the above survey scope.

In order to ensure that the account held by the customer is not affected, and the customer account is within the scope of "long-term inactive" bank account investigation and wants to continue to be used, an account transfer transaction (including active account transfer transactions such as deposit and withdrawal, remittance, transfer, consumption and payment, excluding non-customer active account settlement, inquiry, judicial freezing and judicial deduction) should be completed before 2022 10. For accounts that have not been activated within the time limit, ICBC will adjust their account functions to only receive and not pay according to the contents of the notice. Customers can log in to mobile banking ("Account/My Account-More-Unlimited") or unlock the account processing function after verifying their identity at the smart terminals and counters of any business outlets in China.

In addition to ICBC, the reporter learned that Bank of China also announced at the end of February 2002165438 to investigate the accounts with no transactions in the past three years (inclusive), the accounts with balances less than or equal to 10 yuan (RMB), and multiple settlement accounts opened by the same customer, that is, four or more Class I accounts (excluding) held in its name.

UnionPay China UnionPay Express App can "check the card with one click"

Bank cards have now become a necessity for people, and many people even open multiple bank cards in different banks. Many cardholders have such confusion. How many bank cards have been opened in their names? In which banks did it open?

In order to facilitate the public to directly grasp the personal bank card information, China UnionPay United Commercial Bank launched a "one-click card checking" service based on the unified banking App China UnionPay Express, which supports cardholders to check the opening and use of their bank cards in a number of banks, so as to facilitate cardholders to check their long-term unused bank cards and cancel their accounts in time, so as to prevent personal bank cards from being used by criminals for telecommunication network fraud or cross-border gambling and other illegal and criminal activities.

Since February 20, 20021,10, the "one-click card search" function of China UnionPay Express App has been first opened to users in Shanghai and Yunnan. The first batch of 14 commercial banks, including China Industrial and Commercial Bank, Agricultural Bank, China Bank and China Construction Bank, participated in the "one-click card checking" pilot of China UnionPay Express. With the gradual improvement and promotion of the pilot, more commercial banks will join in the follow-up.

It is reported that users can query the number of bank cards, bank names, lending attributes, top four and last four card numbers of commercial banks under their names through the "one-click card search" service. At present, the "one-click card search" service of China UnionPay Express APP works well. Up to 202165438+February 29th, 10000 bank card inquiry reports have been successfully generated. After the application is successful, China UnionPay Express App will generate an inquiry report within 24 hours according to the feedback results of commercial banks. After the report is generated, a short message will be sent to remind users to check it. Users can check the bank card held in their own name through the query page of China UnionPay Express App.

It is reported that the "one-click card checking" function is expected to be launched in Guangzhou this year.