Reviewer observation ｜ Say goodbye to "horse racing land", how can the credit card dig for potential

A few days ago, the China Banking Regulatory Commission issued the "Notice on Further Promoting the Standardous Healthy Development of Credit Card Business" (hereinafter referred to as the "Notice") with the People's Bank of China. Experts said that the "Notice" adheres to the problem -oriented, clear supervision requirements for credit card issuance management, credit card chaos and other businesses, and will promote the credit card business to professional, differentiated, refined, refine New stage of high -quality development. (July 12 "Economic Daily")

Since the discussion draft was released at the end of last year, the naked eye issuance of credit card issuance and card running activities on the market has been visible to the naked eye. However, the new credit card increase may slow down, but the stock of credit cards is still huge. Data show that as of the end of 2021, the number of credit cards and loan cards in the country reached 800 million. Among them, due to the irregularities and sleep card management of interest fees, the current credit card business is still the "hardest hit area" of complaints from various banks.

In fact, the frequent credit card business at the moment is largely related to the urgency of many banking institutions in the development of credit card business earlier. The specific manifestation is excessive indicator -simply uses the volume of cards, customer quantity, etc., and the lack of scientific assessment mechanisms and incentive mechanisms, leading to a short -termization of credit card business, and irregular credit management and other phenomena.

In addition, the extensive credit card business brings a series of chain reactions. The most obvious is that the sleep card is increasing. Driven by factors such as gifts or human feelings, many consumers have issued many credit cards that they can't use at all, and these credit cards have become the "unjust head" charged by the interest fee after they become sleeping cards ... Not only does it increase the burden of consumers' interest and fees, but the more credit cards are opened, the greater the waste of resources. In the long run, the development of credit cards has also trapped the development of credit cards in the "horse race" mode.

To this end, in addition to the relevant regulations such as the details of the details, the "Notice" also strengthened the management of sleep credit cards and formulated a regulatory red line for the sleep card rate. For example, set the upper limit of the number of card issuance of the institution for a single customer; strengthen the dynamic monitoring and management of sleep credit cards, and strictly control the proportion. Single or main assessment indicators, etc. It is believed that after the implementation of these measures, it will effectively end the chaos of credit cards, better protect the legitimate rights and interests of consumers, and allow the credit card business to return to the right track.

Specifications are the end of credit card chaos and the starting point of healthy development. What should I do if I say goodbye to the "horse race land"? At present, the per capita card holding of credit cards in my country is only 0.57. Although a considerable part of the Internet consumer credit products are not counted, it also shows that my country's credit cards still have greater popularity potential to dig. Especially under the increasingly trend of consumption to drive economic growth, the bank's credit card business development should also change business ideas as soon as possible. Under the premise of standardizing processes and strengthening management, we will carry out deeper market segmentation, continuously update optimization of credit card products, and come up with the substantial benefit that is more in line with consumer needs. In this way, we can achieve a win -win situation for consumers' convenience to use cards and banking business growth.

Text/Guangzhou Daily commentator Chen Wenjie

Picture/Guangzhou Daily · Xinhuacheng reporter Mo Weipun Guangzhou Daily · Xinhuacheng editor Zhang Dongmei

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