Credit card risk questionnaire (preferably from the perspective of banks)

With the rapid development of credit card business and the continuous growth of credit card business, the frequency of credit card business risks is also increasing, causing more and more losses to card issuers, special merchants and cardholders, and the risk problems are becoming more and more serious. The risk in the issuing bank is mainly its own problem, and the issuing bank is the source of all problems. The loopholes in the bank's own operation provide an opportunity for credit card criminals, leading to constant risks. Banks should strengthen credit card risk management, strengthen the supervision of laws and regulations, improve the overall quality of employees, prevent the occurrence of illegal acts, improve the rights of card issuers, and make them operate normally, efficiently and legally. Special merchants play a connecting role, so we should attach great importance to every pass and block every possible loophole in the process of connecting up and down. In addition, their own risk is also an important issue, and the comprehensive quality of personnel should be improved in order to better safeguard themselves and their rights and interests. Cardholders are the weak group among the three, so they should not only pay attention to "self-protection", but also pay attention to some unreasonable laws and regulations, and have a strong sense of self-protection. In short, the development of China's credit card business is not very mature, and various laws and regulations are not perfect. We should learn more from foreign experience and formulate relevant laws or regulations from the perspective of safeguarding public interests and protecting consumers. We should not only protect the interests of the industry, but also promote the development of the banking industry at the expense of consumers.

Since the first credit card (BOC card) was issued by Bank of China Zhujiang Sub-branch/KLOC-0 in June, 1985, it has been favored by mass customers because of its convenience and quickness. China's bank card business has developed by leaps and bounds. The issuing banks, the number of cards issued and the transaction amount have all increased greatly, and the credit card use environment has also been greatly improved. Take Shanghai as an example. By the end of 2002, the total number of bank cards issued in the city reached 35.65 million, an increase of 27.5% over the previous year. The number of bank card transactions was107.5 million, and the total transaction amount was106.5 billion yuan, and 3282 ATMs and POS16938 POSS were deployed. In 2002, the number of online merchants of bank cards increased from 2 184 at the beginning of the year to 5,780, and16,234 POS were connected to the Internet. The total transaction volume of ATM and POS in the whole year was 565,438+085.72. According to conservative estimates, by 2007, the total investment in Shanghai's bank card industry construction will exceed 654.38+000 billion RMB, the total annual output value will reach more than 20 billion RMB, and the number of employees will reach about 30,000.

Credit card business has become one of the most profitable departments of commercial banks. In western developed countries, credit card business is the main business and main profit source of many large international banks. For example, Citibank's credit card business accounts for one-third of its total profits, and American Express's American Express card business accounts for 70% of its total profits.

Credit card risk

With the further development of credit card business, credit card risks occur more and more frequently. There may be risks in the issuance, use and settlement of credit cards. Moreover, with the increase of card issuers, special merchants and cardholders, credit card risks are characterized by wide coverage, diverse risks and great harm, and the profits of card issuers are gradually decreasing. In most cases, these losses are made up by the profits of banks. Therefore, some legal problems of credit card risk are prominent.

We know that one of the main reasons for credit card risk is caused by the issuing bank itself. For example, except for CCB, there are two ways to confirm the relationship between credit card consumption. Banks such as Guangfa Bank, Bank of China and China Merchants Bank still use signature to confirm, and cardholders do not need to enter a password for credit card consumption. These are loopholes in the operation of the issuing bank itself.

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