CBRC: Strictly regulate credit card collection behavior, shall not be collected by the third party without the debt of the debt | Express

Text/Feng Yingzi

In recent years, my country's banking financial institution's credit card business has developed rapidly, and it has played an important role in facilitation of payment and daily consumption.

However, recently, some banking financial institutions' credit card business business philosophy is extensive, the service awareness is not strong, the risk control is not in place, and the behavior of harming customer interests.

On July 7th, the China Banking Regulatory Commission and the People's Bank of China issued the "Notice on Further Promoting the Standardment of Healthy Development of Credit Card Business" (hereinafter referred to as the "Notice").

At present, consumers in the field of credit cards are mainly concentrated in non -standard marketing publicity, poor complaints, improper collection of customer information, and improper collection.

Focusing on the prominent issues of the masses' complaints, the "Notice" proposes to effectively strengthen the protection of consumer rights and interests. The banking financial institutions are required to strictly explicitly strictly strictly indicate the legal risks and legal responsibilities involved in credit cards, and shall not conduct fraudulent false propaganda; implement a unified qualification identification of the credit card marketing personnel of the Bank, and send a document to the customers to present it beforehand.

At the same time, it is necessary to strictly publish the channels for complaints to customers, and equip resources such as sufficient positions according to the number of complaints. Customer data security management must be strictly implemented, and customer information is collected through the self -operated channels of the Bank. It is necessary to strictly regulate the collection of behaviors, and must not be collected by the third party that has nothing to do with the debt.

In addition, for some banking financial institutions' operating philosophy unscientific, blindly pursue scale effects and market share, the abuse of card issuance and repeated card issuance, the credit control and control are not prudent, leading to disorderly competition, waste of resources, over -crediting and other issues. The "Notice" It is required to change the extensive development model.

The "Notice" mentioned that banking financial institutions shall not use card volume and number of customers as a single or main assessment indicator. Banking financial institutions with long -term sleep card rates exceed 20%of them shall not issue new cards. Reasonably set up the total credit limit of a single customer credit card. When the credit approval and adjustment of the credit line, the customer shall be deducted from the credit card of the credit card of other institutions.

Edit: Meng Junlian

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