给铃铛啊
发表于 2022-7-10 11:46
重大调整！事关信用卡还款
<div class="wx_rich_media_content" id="jsWxContainer"><section><section style="text-align: center;line-height: 2em;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" style="" size="3">7月7日，<br style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;">银保监会、中国人民银行发布<br style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;">《关于进一步促进信用卡业务规范健康发展的通知》，<br style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;">从严格规范发卡营销行为、<br style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;">加强消费者合法权益保护等<br style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;">多个方面对信用卡业务进行了规范。</font></span></section><p style="text-align: center;"><font face="微软雅黑" size="3">https://pic.app.yewn.cn/forum/20220710120625front1_1_265611_ltXt1KjCOPj48Le6CgLVhgcylxvS.mp4?494</font></p><section style="line-height: normal;"><font face="微软雅黑" size="3"><br></font></section><section data-role="outer" label="Powered by 135editor.com" style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 0.544px; text-align: justify; visibility: visible; box-sizing: border-box !important;"><section data-role="title" data-tools="135编辑器" data-id="107148" style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"><section style="margin: 10px auto; outline: 0px; max-width: 100%; text-align: center; visibility: visible; box-sizing: border-box !important;"><section style="outline: 0px; max-width: 100%; display: inline-block; visibility: visible; box-sizing: border-box !important;"><section style="padding: 3px; outline: 0px; max-width: 100%; box-sizing: border-box; background-color: rgb(79, 129, 189); border-radius: 30px; visibility: visible;"><section style="padding: 4px 13px; outline: 0px; max-width: 100%; box-sizing: border-box; border-width: 1px; border-style: dashed; border-color: rgb(255, 255, 255); border-radius: 30px; visibility: visible;"><section hm_fix="317:305" style="outline: 0px; max-width: 100%; letter-spacing: 1.5px; color: rgb(255, 255, 255); text-shadow: rgb(79, 129, 189) 1px 1px 0px; visibility: visible; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"><strong data-brushtype="text" style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"><font face="微软雅黑" size="3">不得诱导过度使用分期增加客户利息和收费</font></strong></span></section></section></section></section></section></section><section data-role="paragraph" style="outline: 0px; max-width: 100%; box-sizing: border-box !important;"><section style="line-height: normal;"><font face="微软雅黑" size="3"><br></font></section></section></section><p style="line-height: 2em;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" size="3">《通知》要求银行业金融机构在与客户订立信用卡合同时，<span style="color: rgb(171, 25, 66);"><strong>对收取利息、复利、费用、违约金等条款应当严格履行提示或者说明义务，</strong></span>并以明显的方式向客户展示最高年化利率水平。</font></span></p><section style="line-height: normal;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" size="3"><br></font></span></section><p style="line-height: 2em;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" size="3">针对信用卡分期业务，<span style="color: rgb(171, 25, 66);"><strong>统一采用利息形式展示分期业务资金使用成本，不得诱导过度使用分期增加客户利息和收费。</strong></span></font></span></p><section style="line-height: normal;"><span style="letter-spacing: 1.5px; color: rgb(171, 25, 66);"><strong><font face="微软雅黑" size="3"><br></font></strong></span></section><p style="line-height: 2em;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" size="3">客户提前结清信用卡分期业务的，银行业金融机构应当按照实际占用资金金额及期限计收利息。</font></span></p><section style="line-height: normal;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" size="3"><br></font></span></section><section data-tools="135编辑器" data-id="7" data-color="rgb(79," style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 0.544px; text-align: justify; box-sizing: border-box !important;"><section style="margin: 10px auto; padding-left: 10px; outline: 0px; max-width: 100%; border-left: 5px solid rgb(79, 129, 189); box-sizing: border-box !important;"><section style="outline: 0px; max-width: 100%; letter-spacing: 1px; line-height: 1.75em; box-sizing: border-box !important;"><section style="text-align: center; outline: 0px; max-width: 100%; vertical-align: inherit; line-height: 2em; box-sizing: border-box !important;"><font face="微软雅黑" size="3"></font></section><p style="line-height: 2em;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" size="3"><strong>银保监会创新部副主任 蒋则沈：</strong><span style="color: rgb(136, 136, 136);">在新的要求下，</span><span style="color: rgb(171, 25, 66);"><strong>零利息、零利率这种提法，都是不符合规定的，</strong></span><span style="color: rgb(136, 136, 136);">必须用统一的利息方式，清晰、准确、全面、及时地展现给持卡人，展示给消费者。</span></font></span></p></section></section></section><p style="line-height: normal;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" size="3"><br></font></span></p><section style="line-height: 2em;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" size="3">在额度管理方面，《通知》要求银行合理设置单一客户信用卡总授信额度上限。在授信审批和调整授信额度时，应当扣减客户累计已获其他机构信用卡授信额度。在发放学生信用卡时，应当事前落实第二还款来源。</font></span></section><p><font face="微软雅黑" size="3"><br></font></p><section data-role="title" data-tools="135编辑器" data-id="107148" style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 0.544px; text-align: justify; visibility: visible; box-sizing: border-box !important;"><section style="margin: 10px auto; outline: 0px; max-width: 100%; text-align: center; visibility: visible; box-sizing: border-box !important;"><section style="outline: 0px; max-width: 100%; display: inline-block; visibility: visible; box-sizing: border-box !important;"><section style="padding: 3px; outline: 0px; max-width: 100%; box-sizing: border-box; background-color: rgb(79, 129, 189); border-radius: 30px; visibility: visible;"><section style="padding: 4px 13px; outline: 0px; max-width: 100%; box-sizing: border-box; border-width: 1px; border-style: dashed; border-color: rgb(255, 255, 255); border-radius: 30px; visibility: visible;"><section hm_fix="317:305" style="outline: 0px; max-width: 100%; letter-spacing: 1.5px; color: rgb(255, 255, 255); text-shadow: rgb(79, 129, 189) 1px 1px 0px; visibility: visible; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"><strong data-brushtype="text" style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"><font face="微软雅黑" size="3">长期睡眠信用卡占比超过20%<br style="outline: 0px; max-width: 100%; box-sizing: border-box !important;">的银行业金融机构不得新增发卡</font></strong></span></section></section></section></section></section></section><section data-role="paragraph" style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); letter-spacing: 0.544px; text-align: justify; box-sizing: border-box !important;"><p style="outline: 0px; max-width: 100%; clear: both; min-height: 1em; vertical-align: inherit; box-sizing: border-box !important;"><font face="微软雅黑" size="3"><br style="outline: 0px; max-width: 100%; box-sizing: border-box !important;"></font></p></section><p style="line-height: 2em;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" size="3">在发卡管理方面，《通知》要求银行业金融机构不得直接或间接以发卡量、客户数量、市场占有率或市场排名等作为单一或主要考核指标。</font></span></p><section style="line-height: normal;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" size="3"><br></font></span></section><p style="line-height: 2em;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" size="3">强化睡眠信用卡动态监测管理，<span style="color: rgb(171, 25, 66);"><strong>连续18个月以上无客户主动交易且当前透支余额、溢缴款为零的长期睡眠信用卡数量占本机构总发卡量的比例在任何时点均不得超过20%，</strong></span>附加政策功能的信用卡除外。</font></span></p><section style="line-height: normal;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" size="3"><br></font></span></section><p style="line-height: 2em;"><span style="letter-spacing: 1.5px;"><font face="微软雅黑" style="" size="3">超过该比例的银行业金融机构不得新增发卡。</font></span></p><section style="text-align: center;line-height: normal;"><font face="微软雅黑" color="#696969"><br></font></section><p style="line-height: 2em;text-align: center;"><span style="font-size: 10px;"><font face="微软雅黑" color="#696969">（来源：广州日报综合央视财经）</font></span><strong style="color: rgb(255, 255, 255);font-family: 微软雅黑;text-align: right;outline: 0px;font-size: 18px;letter-spacing: 0.54px;line-height: 25.6px;margin-bottom: 0em;"></strong></p><p style="line-height: 2em;text-align: center;"><img src="https://www.yewn.cn/data/attachment/forum/202207/05/151528hvazaayw44z08hyk.jpg"></p></section></div>
秦殇
发表于 2022-7-10 12:24
好事情，银行信用卡就诱导你分期呢。
半截烟
发表于 2022-7-10 12:52
好事情，银行信用卡就诱导你分期呢。
冰冻叁尺
发表于 2022-7-10 12:54
没有信用卡，哈哈
奔跑900215
发表于 2022-7-10 14:03
注意防范
吐司面包
发表于 2022-7-10 14:46
谢谢发布知道了
zhaozhixue
发表于 2022-7-10 15:10
收到了，这监督管理是必须的
豫见中原
发表于 2022-7-10 15:47
有信用卡的关注一下
马渭绒
发表于 2022-7-10 15:57
好事情，银行信用卡就诱导你分期呢。
在路上V
发表于 2022-7-10 17:12
有借有还，健康信用