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Correspondents search for Guo Tian Yong is now the bank card in the increasingly important role in our lives, to purchase a large car, small to online shopping, credit card spending are inseparable. According to central bank statistics, in our daily lives out of every 100 dollars spent, there is almost 25 dollars through the bank card payment. Of which, credit card overdraft consumption accounts for a large proportion, however, just yesterday, the central bank, China Banking Regulatory Commission, Public Security and State Administration for Industry and Commerce jointly issued a six areas strengthen their credit card bank Karyo security management, prevention and fight against the corresponding crime. One credit card cash will also be against malicious key. A variety of specific acts of illegal cash credit card credit spread as widely used in China, some lawbreakers began eyeing the credit card cash this way of making money. The so-called cash card, credit card holders do not mean by ATM or bank counter cash withdrawals and other informal channels, but through some illegal intermediaries to credit card spending in the name of cash. Reporters in Baidu, enter buttoned up. In this square meters of office only a dozen reporters saw several so-called salesman kept the name in the phone, everyone’s desk is usually placed in our shopping malls and other consumer sites are often seen POS machines. One of them told reporters that they where like a virtual supermarkets, although did not see any commodity, but as long as the POS machine credit card, you can get cash, and even provide store receipts. formal agency cash, rather than go to the bank cash it? Originally, the bank’s ATM machine with a credit card cash withdrawal, credit card holders often can only remove about half in cash, in addition, banks also charge ranging from 1% -3% commission and every five ten thousandths of interest, If there is no overdue payments, the banks also charge interest on arrears cycle. Away the so-called credit card company cash, is equivalent to the POS machine credit card spending, not only do not pay interest, but also get up to 56 days interest-free period, cardholders need to pay, just give these companies the amount of 2% credit card to 3% of the fee. To China Merchants Bank credit card, for example, the ATM machine to take a million fee is $ 100, the 30-day interest rate 150, a total of $ 250; if the company is through credit card cash withdrawals to 2% of the fee calculation, only $ 200, costs decreased by 20%. Reporters learned from this company, their daily cash business hundreds, at a total amount of hundreds of thousands or even hundreds of million. Some even credit card over cash. can be done in phases to buy things. Amount of $ 50,000 to a credit card, for example, can remove up to 10 to 200,000 yuan in cash. In addition, reporters also found in the cash card, the staff here do not look at the signature, that is, if someone picked up a credit card, go to this company to get cash, is also very easy, and bills have to by the cardholder people to pay. Now, in addition we have just seen through the POSE cash machine on the Internet also appeared with Paypal, money paid through other online payment tool, shop trading platform for trading cash false. No wonder people say, cash is not illegal credit card shopping, but the credit card purchase money, and even appeared in a number of playing card, family, special cash pondering various ways. But out of the brush card is always still have to repay the money, how to play the race card, plug the hole in it the money? So in addition to cash and the birth of a new business. In addition to using credit card cash, there’s a special cardholder to the credit card company through cash payments. In Wuhan, some cash in the company in the business of At the According to the address provided on the website, the reporter came to the company. the brush out, it OK. for non-physical credit card spending, and pay a certain fee. In this way, cardholders as of the date of repayment can be postponed a month. The reporter into a staff room, the room’s desk filled with POS machines. fee. However, this company is really able to provide safe, convenient care card business? A month ago, Zhang Wuhan people own credit cards $ 8,000 limit all the money ran out, because they can not repay on time, desperation, he found an online offer . I did not expect that a month later when Zhang received from the bank bill, delinquent amounts were shown to 15,000 yuan, more than their maximum overdraft limit more than 8000 yuan to 7,000 yuan, which is how it happened? leave the territory for people who care card, he is an illegal activity, (repayment) in the event of loss into the future, this illegal trade is not subject to legal protection. loopholes? After the central bank cut interest rates late last year, with the deposit and loan spreads narrow, commercial banks regard the credit card business as their focus. According to incomplete statistics, the Industrial and Commercial Bank credit card volume last year reached 39.05 million, up 67% over 2007, China Merchants Bank, China Construction Bank,wow gold kaufen, Bank of China, Bank of the amount of credit card issuers are also accumulated over 10 million. However,cheap wow gold, we have just seen, a variety of specific acts of illegal cash credit cards also will be spread, to keep the high-tech, group, professional development, credit cards all the chaos behind in the end, what are the loopholes in the system? Why do credit card companies can get a lot of cash can be used to credit card spending POS machine? To this end, the reporter interviewed the Central University of Finance and the China Banking Research Center, Guo Tian Yong. He told reporters that the existence of the phenomenon of malicious cash card, credit cards from major banks in the disorderly competition. Central University of Finance and the China Banking Research Center, Guo Tian Yong: approach to the development of market share credit card. Guo Tian Yong: receive this tax. major banks have introduced credit card with no annual fee no annual fee or even directly the activities of banks in the loop on the interest income to total income accounted for only 30% to 40%. Thus, the rebate business credit card consumer credit card issuer has become the most important source of income. Guo Tian Yong: class merchants do not understand, get a rebate surgery, which a bank is now the main piece of it. CUP is divided into 70%, respectively, 20% and 10%. A credit card transaction for each successful installation of POS machines will be able to lose money the business of financial institutions 10% rebate of income. Thus, the various financial institutions want to install as much as possible their POS machines. Guo Tian Yong: their POS machines, install POS machines. POS machines are gradually reducing the threshold installed. Guo Tian Yong: Ye Hao cash card or credit card keep the card behavior, it has been a hotbed of this. Companies often malicious cash or business name to the supermarket, to the China Union Pay and commercial banks for POS, but in fact they have neither the premises nor any commodity, the only credit card business is cash. In accordance with the relevant provisions of China Union Pay, businesses only need to return to the issuing bank and CUP ranging from 0.5% to 2% of the cost of the remaining difference is that these cash in the company’s revenue. High income makes the cash credit card business in the growing number of companies, are becoming ever larger. However, cash in the face of these malicious companies, China is clearly defined, but not issued to combat. Implicit to the Shanghai headquarters of the Chinese people a deputy director of the Andy Lam financial services: departments are actively studying and take the appropriate measures for punishment. There is no reason very smooth. Guo Tian Yong: POS, I think it is for its own services, an agency of the banks, each bank card I have for you to provide services, if I go to install POS after the fact, with competition between banks and form a relationship, so this is the case , it is easy to make it the roles of dislocation. Rapid expansion in credit card business, excessive competition, the appropriate regulatory and loose, which gives the behavior of malicious cash creates opportunities, and the resulting consequences are gradually revealed. Shenzhen Banking Regulatory Bureau said, according to strict international standards of assessment, issued in Shenzhen more than 700 million credit cards in the non-performing loan rate of 3% -4%, far higher than personal loans. Then, cash and other malicious wrongdoing on the financial industry as a whole losses make? Up to now, our credit card volume has exceeded 150 million, penetration has reached an unprecedented high credit card and other malicious acts of cash and support to the bank a huge loss. Lian Ping, chief economist at Bank: credit card cash cost of the use of funds, thereby increasing the cash funds to repay the bank default risk, this risk is finally borne by the banks, the second aspect of credit card cash it generates impact of this virtual trade fair cardholders credit history, resulting in bank credit assessment of the distortion of the cardholder, because this one is not his true consumer, if the bank raised based on these virtual transactions the cardholder’s credit rating, it would create a vicious cycle, Once it has been the current level than their own solvency,wow gold, eventually unable to pay banks will bear the consequences. about to become only the interests of the victims of the chain. Central University of Finance and the China Banking Research Center, Guo Tian Yong: How much should I charge CUP I am sure is to bring, and certainly does not matter to me. Guo Tian Yong: data, would be able to close to 3% of a number, do not yield up. As for illegal businesses and review of false trading loopholes, Lian Ping, chief economist at the Bank, said banks and the CUP should also take appropriate responsibility. Lian Ping: In the card above the source of risk control, then the agreement with the merchants were not to assist merchants to clear the cardholder cash, strengthening its responsibility for breach of contract binding behavior of merchants. should take the initiative to adjust its position and return to the role of banking services, to avoid the major banks have business with the competition. Half-hour observation: the flies do not stare seamless eggs in different kinds of malicious witnessed cash pattern, we found the source of chaos, it is bank credit card business in excessive competition and extensive management. When the various issuers Seeing their numbers rising non-performing loans, when in fact it is the fault of their own pay for. What kind of junk credit card will be the consequences? Our eyes have a living example. As the birthplace of credit card, over-reliance on credit card, excessive overdrafts, to the U.S. financial system, planted a huge risk. As of last year, the average American household credit card debt held by about $ 10,600, the total debt close to trillion dollars. With the financial crisis, the repayment rate is plummeting, and the resulting credit card bad debt has increased 18 percent, totaling over 961 million U.S. dollars. Some organizations predict that the end of this year, the U.S. credit card defaults may rise to an unprecedented 9%. Many people worry that once the crisis in the U.S. outbreak of the credit card payment, will be following the subprime mortgage crisis, hit the U.S. economy’s second blockbuster stars, the global financial crisis out of the schedule in turn greatly delayed. I noticed that on April 23 U.S. President Barack Obama in the White House called American Express, Citibank and MasterCard credit card issuers such as 14, chief executive, to discuss the development of more stringent policies to stop junk credit card behavior. And our country’s financial regulator recently frequently shot, and strengthen the system of rules for issuers. But how to fundamentally eliminate the credit card bubble, to prevent the outbreak of large-scale credit crisis, threats to financial security? I think in addition to strengthening supervision, more importantly, the profitability of the credit card market as soon as possible perfect patterns and the pattern of interests, only the issuer is no longer blind impulse, the market senses, all the chaos in order to truly eliminate credit card. (Editor: Zhou Renjie Reporter: Well day by Camera: Shen Yan, Fan Jinfeng)