Card trade total amount of 3.5 trillion yuan, 1.97 billion transactions.According to a McKinsey study predicts that if fully open credit card business, by 2013, China's credit card market will reach 130-14 billion yuan, profit to become the second largest retail after personal housing loan credit products, the core business of banking and the main source of profits.
For the flourishing development of credit card business prosperity, we should also see hidden crisis, several big credit card market abroad, including the United States, credit card market in the world's largest credit card crisis broke out, seriously interfere with financial stability, have to make our country's credit card development policy and management system, need to look before you leap.
Credit card security:
A about credit risk prevention legislation, the United States
In the 19th and 20th century 200 years, personal credit in the United States
China got rapid development.The United States established a retail credit, installment credit
And credit, and so on, and apply the credit to many other areas of personal consumption
In the.Around 1950, began to appear in the United States credit card, by Banks and financial
The company awarded the personal credit.Use a credit card, the user can be in the broader geographic van
Around the use of personal credit, through the ATM to get cash.Today, in the letter
Card the birthplace of the United States, credit card consumption is still one of the few high growth
One of the industry, has been growing at 13% by 2007.According to the United States,
Industry reports (Business Week) latest, in charge of the credit card market in the United States
Into the has reached 2. 1 million us dollars, credit card number 8. 4.8 billion pieces, credit card issuer has
By as much as more than 8000 [1].Taken to prevent credit risk with credit card in the United States
Measures and legislation mainly has the following several aspects:
(a) has a perfect legal system against credit risk with credit card
The United States is the world consumer credit is one of developed countries, the credit system is more mature.Today, the United States credit bureau has formed a huge industry and across the country and overseas branches.The three major credit bureau E2quifax, Experian, Trans Union formed tripartite confrontation, joint distribution across the United States more than 1000 local credit bureau, collected nearly 200 million American adults credit history.Bank or credit card company in the United States to the customer account agreement, there are some powerful words to remind customers: "if customers don't abide by the credit, data will be recorded, and be saved. These bad credit records will be adverse to the customer."
The establishment and effective operation of the personal credit system to guard against credit risk with credit card played a good role.
The personal credit system on the basis of a sound credit management regulations.Now the United States to guard against credit risk with credit card law mainly include: the fair credit reporting act, the equal credit opportunity act, the act of fair debt-collection homework, etc.The legislation, constitute the national legal environment for normal operation of the credit card management system.
(2) to form perfect personal credit system, to provide detailed personal credit report
In the process of credit card business, how simple and accurately grasp the cardholder's credit standing, and is the key to prevent credit risk with credit card.U.S. consumer credit in hundred years based on the perfect personal credit system, Banks can at any time through the personal credit database query personal credit files, and can quickly determine the cardholders credit and credit.
In the United States, by a credit bureau to consumers themselves or rules of law legal institutions and individuals to provide credit report.Credit report
To include four aspects: the content of the first, personal identification information, in addition to the usual personal information, include society
Insurance risk, information work, positions and employers.Second, public record information, including personal bankruptcy record, record, tax seizure of the court proceedings __ records and property.Third, the individual credit information, including the start date each credit accounts, credit and loan amount, balance, monthly payments, and loan repayment over the past seven years.Fourth, the query record, including the name of the query of and query.
3) the financial institutions have perfect personal credit evaluation mechanism
Credit bureau is the adult's credit data archive and clearing houses.They just to review the credit application in financial institutions, providing information in a timely manner.Data evaluation to the credit bureau itself is not, more not participate in the credit decision.So financial institutions must also have a set of personal credit evaluation mechanism.On the basis of credit reporting, to the borrower's repayment Willingness (Willingness to Pay) and reimbursement Ability, Ability to Pay) in risk assessment, in other words, the evaluation on the "3 C" of the borrowers, Character (Character), Ability (Capacity), and the mortgage (Collateral).The personal credit assessment is the core of credit points of evaluation, the credit score.
Credit points according to the borrower the past credit history may predict the future payments, provide the lender with an objective and consistent evaluation methods, evaluation work done automatically by computer, helps overcome the interference of man-made factors, to prevent one-sided sex, better abide by the laws and regulations of the country.
Letter with points and accelerates the whole credit decision process automation of operation, the applicant can more quickly to get a reply, to improve the efficiency of operations.In consumer credit risk, credit rating has become an important tool.Determine the credit card application, the line of credit or credit conditions, the credit rating is an important influencing factors.The use of credit scores, can accelerate the lenders' decision-making process, so as to make the consumer quickly obtain credit.
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