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Notice of the People's Bank of China and China Banking Regulatory Commission about Preventing the Risks of Credit Cards
(No. 84[2006] of the People's Bank of China)
Shanghai Headquarters, all branches and business departments of the People's Bank of China, the central sub-branches of the People's Bank of China in all provincial capital cities, all banking regulatory bureaus, all policy banks, state-owned commercial banks, equity joint commercial banks, China Postal Savings and Remittance Bureau and China UnionPay Co., Ltd.,
Recently, some lawbreakers, in the name of “banking intermediary agencies” and “loan intermediaries”, applied for credit cards on behalf of clients and swindled huge amount of commissions and bank money through imaginary POS machines by taking the advantage of the overdraft amount and interest-exemption period of the credit cards. They disturbed the market of issuance and acceptance of credit cards and impaired the environment of good faith of the society. For the purposes of regulating the issuance and acceptance of credit cards, protecting the safety of bank money, maintaining the cardholders' confidence in credit card payments and promoting the sound development of the credit card business, you are hereby notified of the following issues concerning the prevention of risks of credit card business:
| | 中国人民银行、中国银行业监督管理委员会关于防范信用卡风险有关问题的通知
（银发[2006]84号）
人民银行上海总部，各分行、营业管理部、省会(首府)城市中心支行；各银监局；各政策性银行、国有商业银行、股份制商业银行，国家邮政局邮政储汇局，中国银联股份有限公司：
近期，一些不法分子以“银行中介代理公司”、“贷款中介”等名义，为客户代办信用卡并利用信用卡的透支额度和免息期，通过虚构POS机刷卡消费骗取高额手续费和银行资金，扰乱了信用卡发卡和受理市场，破坏了社会诚信环境。为规范信用卡发卡和受理行为，保障银行资金安全，维护持卡人对信用卡支付的信心，促进信用卡业务健康发展，现就防范信用卡业务风险的有关问题通知如下：
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I. A credit card issuance institution shall strictly review the materials of an applicant, intensify the risk control and management and do a good job in making the cardholders know how to safely use the cards:
| | 一、信用卡发卡机构应严格审核申请人的资料，加强风险控制与管理，做好对持卡人的安全用卡宣传教育
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(1)The credit card issuance institution shall strictly check the credit standing materials of the applicant and verify the genuineness of the said materials by diverse means. For the batch application materials submitted by a credit card issuance and distribution service contractor or entity, the credit card issuance institution shall tighten the examination of credit standing. The credit card issuance institution shall, according to the credit standing of the applicant, strictly examine and approve the credit amount and intensify the risk control from the card issuance headstream.
| | (一)信用卡发卡机构应对申请人的资料进行严格的资信审核，尤其要通过多种方式核实申请人资料的真实性。对于发卡营销外包服务商或单位批量提交的申请资料，发卡机构应加大资信审核力度。发卡机构要根据申请人的资信状况，严格审批信用额度，加强发卡源头的风险控制。
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(2)The credit card issuance institution shall prudently choose the credit card issuance and distribution service contractors and strictly restrict the relationship with them.
| | (二)信用卡发卡机构应慎重选择发卡营销外包服务商，并严格约束与发卡营销外包服务商之间的外包关系。
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(a)Before the credit card issuance institution chooses a credit card issuance and distribution service contractor, it shall fully examine and know the business status, financial status and its actual risk control and liability bearing capacities.
| | 1．发卡机构在选择发卡营销外包服务商前，应充分审查、了解发卡营销外包服务商的经营状况、财务状况以及实际的风险控制与责任承担能力。
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(b)After the credit card issuance institution determines a credit card issuance and distribution service contractor, it shall sign a written contract with the credit card issuance and distribution service contractor so as to clarify the liabilities, rights and obligations of both parties. The said contract shall expressly stipulate that the credit card issuance and distribution service contract shall keep the applicants' information confidential, it shall not apply for becoming a specially engaged commercial business, nor may it subcontract the commissioned distribution business to any other entity.
| | 2．发卡机构确定发卡营销外包服务商后，要与发卡营销外包服务商签订书面合同，明确双方的责任、权利和义务。合同中要明确规定，发卡营销外包服务商对申请人信息负有保密义务，不得申请成为特约商户，不得将代理营销业务再转包其他单位。
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(c)The credit card issuance institution shall formulate a stringent internal control system for the credit card issuance and distribution service contractors and shall conduct supervision over its establishment of complete applicant archives as well as over its preparation of relevant distribution publicity materials.
| | 3．发卡机构应针对发卡营销外包服务商制定严格的内部控制制度，监督其建立完整的人员档案以及制作相关营销宣传材料。
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(3) Once the credit card issuance institution finds that any credit card application materials are submitted by an intermediary company that has not signed any card issuance and distribution agreement with it, it shall not accept the relevant business.
With regard to the card issuance way whereby a card will be fetched by a person instead of the applicant himself or will be posted to the applicant, the credit card issuance institution shall formulate risk prevention and control measures and other relevant business rules so as to prevent the business risks.
| | (三)发卡机构一旦发现信用卡申请材料属于未与其签订发卡营销外包协议的中介公司递交的，不得受理相关业务。
对于代领卡、邮寄卡等非本人领卡的卡片发放方式，发卡机构应通过制定风险防控措施等相关业务规则防范业务风险。
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(4) The credit card issuance institution shall intensify the monitoring of the cardholders' use of cards. If it finds any credit card holder who cashes out, it shall have the power to decrease his credit amount or to stop the payment function of the credit card.
| | (四)发卡机构应加强对持卡人用卡情况的监控，对于已确认存在套现行为的信用卡持卡人，有权采取降低授信额度、止付等措施。
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(5)If the credit card issuance institution finds any illegal intermediary agency or individual who fetches any credit card by fraud or illegally uses any credit card, it shall, immediately communicate with the relevant departments of industry and commerce, public security, etc. and shall help them to crack down on and punish it/him.
| | (五)发卡机构发现不法中介、个人骗领信用卡或违规使用信用卡的，应立即与工商、公安等有关部门进行沟通协调，并协助有关部门对其进行打击和处理。
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(6)The credit card issuance institution shall intensify the publicity, education and popularization of the credit card knowledge. It shall make the public know how to apply and use the credit cards, enhance their awareness of risk prevention and concept of good faith.
| | (六)发卡机构应对公众加强有关信用卡知识的宣传教育和普及工作，使公众了解信用卡申请和使用的基本常识，提高风险防范意识，增强诚信观念。
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II. An acquirer shall strengthen the management of specially engaged commercial businesses and the risk control thereof so as to prevent the risks such as cash-out by any specially engaged commercial business.
．．．．．． | | 二、收单机构应加强特约商户管理，强化对特约商户的风险控制，防范特约商户套现等风险
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