The new rules of the credit card industry have issued further standards for interest fees to collect excessive credit

On July 7, according to the official website of the CBRC, the CBRC and the Central Bank recently issued the "Notice on Further Promoting the Standardous Healthy Development of Credit Card Business" (hereinafter referred to as the "Notice"). The "Notice" mainly includes 5 aspects: standardized credit card interest charging; effectively strengthening the protection of consumer rights; transforming the extensive development model; standardizing the management of external cooperation behavior; and promoting the facilitation of online services for credit cards.

Interviewed experts believe that the "Notice" adheres to the problem -oriented, and put forward clear and specific requirements from many aspects such as changing development models, excessive credit grants, and collecting standards for standards, which is conducive to promoting the extensive development of credit card business from the "horse -raid land" development of the extensive development. Entering a new stage of high -quality development of specialization, differentiation, and refined, the stage is entered.

Multi -dimensional standardized credit card business

For a long time, credit card interest charging issues have attracted much attention from consumption. The "Notice" requires banking financial institutions to effectively improve the standardization and transparency of credit card interest management, strictly fulfill the obligations of the interest fee explanation in the contract, show the highest annualized interest rate level in a clear way, and continue to take effective measures to reduce the customer interest fee fees Affordinate and actively promote the level of credit card rates rationally. In response to the credit card installment business, the banking financial institutions are required to clarify the minimum starting amount and maximum amount of the upper limit, and uniformly use interest forms to display the use of installment business funds in the form of interest.

The person in charge of the relevant departments of the CBRC said that some banking financial institutions' business philosophy is unscientific, blindly pursuing scale effects and market share, and the prominent issuance of card issuance and repeated card issuance. question.

In this regard, the "Notice" requires banking financial institutions to not issue card volume and number of customers as a single or main assessment indicator. Banking financial institutions with long -term sleep card rates exceeded 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.

The "Notice" further strengthened consumer rights protection. At present, consumer complaints in the credit card field 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" is regulated for the targetedness and requires banking financial institutions: the legal risks and legal responsibilities involved in credit cards must be strictly strictly strictly strictly strictly strictly strictly strictly explicitly responsible for credit cards involved in, and fraudulent publicity shall be performed. Dedication documents and showing them to customers beforehand. 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, the "Notice" also requires the banking financial institution headquarters to implement a unified list system management of the cooperation institutions, strictly manage the approval standards and procedures, and shall not be able to carry out the core business link of the credit card through the Internet platform controlled by the cooperation agency. The amount of card issuance and credit balance shall meet the concentration index limit.

Bank should change the development model of credit card

Dong Ximiao, chief researcher at Zhailian Financial, told the "Securities Daily" reporter that strengthening the standards of credit card business is not only very necessary, but also urgent. The "Notice" adheres to the problem orientation and puts forward specific and clear requirements, especially the 32 "no" and one "prohibited" are strictly targeted and operable. The "Notice" provides a comprehensive and detailed provisions of the credit card business, and will further standardize the management of credit card business to better protect consumers' legitimate rights and interests.

Huang Dazhi, a researcher at the Star Financial Research Institute, told a reporter from the Securities Daily that the "Notice" is conducive to the long -term healthy development of the industry. The "Notice" proposed through the pilot and other methods of exploring the online credit card business innovation model and other terms is worthy of continuous attention.

Dong Ximiao added that for commercial banks, the next step should be carefully implemented to the spirit and requirements of the "Notice", enhance concepts, and accelerate rectification. In particular, to change the business development model of credit card business, it should be shifted from simply pursuing scale and speed to professional, differentiated, and refined high -quality development. For the cardholder, we must use a credit card rationally, but it is overdrawn and does not cash out in violation of regulations. For the regulatory authorities, the notice should be announced as an opportunity to continuously strengthen and improve supervision, increase credit card business inspection and punishment, and guide the healthy development of the credit card market. (Reporter Su Xiangyi)

[Editor in charge: Li Tong]

- END -