Credit card risks are as follows:
1. Cardholder's risk
The cardholder maliciously overdraws and uses the credit card overdraft limit to issue usury.
2. Risks from merchants
In reality, employees can access the customer's card information and even leave the customer's sight with the card. Employees who violate the rules will use customers' credit cards to spend money, and will withhold invoices generated by illegal use, causing losses to customers.
3. Risks from third parties
Thieves will make a lot of quick transactions until the legitimate cardholder reports the loss and the card is frozen by the bank. The second is plagiarism. In hotels, restaurants and other places, the authorization link usually leaves the cardholder's sight, which gives unscrupulous staff the opportunity to obtain magnetic stripe information by using small card reading equipment.
Fourth, forgery
Criminals first obtain the customer's credit card information by stealing and other means, or illegally install a receiving device in the keyboard input device, or computer hackers obtain it by attacking the online banking system, and then forge credit cards for fraud.
False declaration of intransitive verbs
Criminals use false identification and credit materials to handle credit cards, or falsely report the loss, and then defraud to cancel a certain fee or withdraw cash, causing losses to banks.
Xin Kai Loan was approved by Jiangsu Provincial Finance Office on 20 12 and 12. Based on the high-quality small loan companies in Jiangsu Province, the online and offline mode is adopted.
Combining the brand advantages of CDB Finance, the supervision advantages of Jiangsu Financial Office, the technical support advantages of Jinnong Company and the risk management advantages of small loan companies, we will provide financial services for small and medium-sized enterprises and "three rural" customers, and effectively increase residents' property income.
Extended data
The credit guarantee system of Xin Kai loan is as follows:
1, strict access standards for guarantee institutions
20 13 In April, Jiangsu Provincial Financial Office promulgated the Administrative Measures for Credit Business of Small Loan Companies in Jiangsu Province (Provisional) (hereinafter referred to as the Administrative Measures), which formulated in detail the access principles of guarantee institutions for small loan companies in Jiangsu Province (hereinafter referred to as the "small loan companies") to participate in credit business.
2. Total guarantee amount control of guarantee institutions
According to the daily operating conditions of microfinance companies, Xin Kai Loan Company dynamically evaluates the risks of microfinance companies and determines the comprehensive credit guarantee amount, so as to control the total guarantee amount of Xin Kai loan business of microfinance companies and reduce operating risks.
3. High-quality loan projects are fully guaranteed by guarantee institutions.
Small loan companies that have access to Xin Kai loan business should strictly screen borrowers in accordance with the Administrative Measures, release their high-quality loan projects to the Xin Kai loan platform, and provide full principal and interest guarantee while ensuring the repayment ability of borrowers.
4. The main sponsors of the guarantee institutions shall bear joint and several guarantee liabilities.
After the small loan company obtained the loan business access in Xin Kai, the main sponsors of the small loan company issued the Letter of Commitment to the Main Sponsor of the Small Loan Company to Jiangsu Provincial Financial Office and Xin Kai Loan Company, urging the small loan company to strictly abide by the management measures to carry out business and strengthen risk control.
5. A sound risk reserve system
In accordance with the requirements of the Administrative Measures, Xin Kai Loan Company has established a risk reserve system for loan business in Xin Kai. All the guarantee institutions participating in the loan business in Xin Kai pay a certain proportion of risk reserve according to the credit underwriting amount, and establish a risk fund pool.
Baidu Encyclopedia-Credit Card Risk
Baidu Encyclopedia-Xin Kai Loan