Risks in the credit card business
Fraud risks: including identity theft, card theft or false transactions. Hackers steal credit card information through phishing attacks to conduct unauthorized transactions. "Professional loan account" risk: Some individuals or groups specifically use the interest-free period and reward mechanism of credit cards to obtain benefits, but do not bear the corresponding credit risks. Individual users borrow money in turn through multiple credit cards to maintain cash flow during the interest-free period, but do not make actual purchases. “Grabbing” behavior: Users take advantage of credit card preferential policies (such as points and cash back) to obtain additional benefits, but this may cause the bank to bear costs beyond expectations.Users apply for credit cards in large numbers just to get sign-up bonuses and promotional offers. ) Risk avoidance In order to avoid, common solutions for banks and credit card companies include: Credit system: Unified Azerbaijan WhatsApp Number management of borrower information, loan application information, credit information, post-loan management, rating information and other data to form file. Credit report submission: uniformly report to the People's Bank of China for credit report. Intelligent risk control: Through information sharing, risk control models, and risk control ledgers, it helps assess corporate and individual risk levels and reduce labor costs and human errors.
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Factoring As an enterprise, especially in supply chain finance, in addition to credit, when an enterprise generates transactions, the transactions are accompanied by "accounts receivable", which can also bring funds to the enterprise. Factoring is the act of a borrower making a loan to a financial platform based on "accounts receivable". Common companies include: CITIC Prudential Factoring Co., Ltd., Industrial Bank Factoring, HSBC, and Coface. Suppose there is a supplier that sells a batch of products to China Railway with a total value of 10,000 yuan。
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