停用，超30家银行集体公告！
<section data-mpa-powered-by="yiban.io"><section style="text-align: center;margin-right: 0%;margin-bottom: 10px;margin-left: 0%;line-height: 0;box-sizing: border-box;" powered-by="xiumi.us"><br></section><section powered-by="xiumi.us"><section><section powered-by="xiumi.us" style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; visibility: visible; box-sizing: border-box !important;"><p style="margin-right: 8px; margin-left: 8px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; text-align: center; visibility: visible; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; color: rgb(217, 33, 66); visibility: visible; box-sizing: border-box !important;"><strong style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; visibility: visible; box-sizing: border-box !important;">注意，</span></strong></span></p><p style="margin-right: 8px; margin-left: 8px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; text-align: center; visibility: visible; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; color: rgb(217, 33, 66); visibility: visible; box-sizing: border-box !important;"><strong style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; visibility: visible; box-sizing: border-box !important;">你手里的这种银行卡，</span></strong></span></p><p style="margin-right: 8px; margin-left: 8px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; text-align: center; visibility: visible; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; color: rgb(217, 33, 66); visibility: visible; box-sizing: border-box !important;"><strong style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; visibility: visible; box-sizing: border-box !important;">要被清理了！</span></strong></span></p><p style="margin-right: 8px; margin-left: 8px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; visibility: visible; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; visibility: visible; box-sizing: border-box !important;"><br style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"></span></p><p style="margin-right: 8px; margin-left: 8px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; visibility: visible; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; visibility: visible; box-sizing: border-box !important;">中国银行、建设银行、招商银行、平安银行等<strong style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;">逾30家商业银行陆续发布通知，将对长期睡眠的信用卡开展账户安全管理等工作。</strong></span></p><p style="margin-right: 8px; margin-left: 8px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; visibility: visible; box-sizing: border-box !important;"><br style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"></p><p style="margin-right: 8px; margin-left: 8px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; visibility: visible; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; visibility: visible; box-sizing: border-box !important;">据去年7月中国银保监会发布《关于进一步促进信用卡业务规范健康发展的通知》，要求存量业务在2年过渡期内完成整改，并在6个月内完成业务流程及系统改造等工作。</span></p><p style="margin-right: 8px; margin-left: 8px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; visibility: visible; box-sizing: border-box !important;"><br style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"></p><p style="margin-right: 8px; margin-left: 8px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.75em; visibility: visible; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; font-size: 16px; letter-spacing: 1px; visibility: visible; box-sizing: border-box !important;">目前《通知》规定的半年期限已过，多家银行纷纷出手。整顿睡眠卡业务是许多银行本轮整改的“重头戏”。</span></p></section><section powered-by="xiumi.us" style="outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; visibility: visible; box-sizing: border-box !important;"><section style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"><section powered-by="xiumi.us" style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"><section style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"><section powered-by="xiumi.us" style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"><br style="outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;"></section></section></section></section></section><section powered-by="xiumi.us" style="padding-right: 10px; padding-left: 10px; outline: 0px; max-width: 100%; box-sizing: border-box; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 2.5px; color: rgb(48, 83, 124); text-align: center; visibility: visible;"><p style="outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; visibility: visible;"><strong style="outline: 0px; max-width: 100%; box-sizing: border-box; visibility: visible;">多家银行密集公告：</strong></p><p style="outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; visibility: visible;"><strong style="outline: 0px; max-width: 100%; box-sizing: border-box; visibility: visible;">清理睡眠卡、超量卡</strong></p></section><p powered-by="xiumi.us" style="outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; visibility: visible;"><br style="outline: 0px; max-width: 100%; box-sizing: border-box; visibility: visible;"></p><section powered-by="xiumi.us" style="padding-right: 12px; padding-left: 12px; outline: 0px; max-width: 100%; box-sizing: border-box; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; text-align: justify; font-size: 15px; color: rgb(56, 54, 53); letter-spacing: 2px; visibility: visible;"><section style="outline: 0px; max-width: 100%; box-sizing: border-box; visibility: visible;"><span style="outline: 0px; max-width: 100%; font-size: 16px; visibility: visible; box-sizing: border-box !important;">据证券日报报道，银行业信用卡业务整改正持续深化。今年以来，已有不少银行发布通知表示，开展信用卡相关业务规范管理工作。</span></section><section style="outline: 0px; max-width: 100%; box-sizing: border-box;"><br style="outline: 0px; max-width: 100%; box-sizing: border-box !important;"></section><section style="outline: 0px; max-width: 100%; box-sizing: border-box;"><span style="outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;">整体来看，<strong style="outline: 0px; max-width: 100%; box-sizing: border-box;">管理方向主要集中在清理睡眠卡、限制单一持卡人持超量信用卡和优化分期业务等方面。</strong></span></section><section style="outline: 0px; max-width: 100%; box-sizing: border-box;"><br style="outline: 0px; max-width: 100%; box-sizing: border-box !important;"></section><section style="outline: 0px; max-width: 100%; box-sizing: border-box;"><span style="outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(255, 255, 255); background-color: rgb(31, 64, 108);">中国银行</span>公告称，自2023年3月20日起，将对连续18个月及以上无主动交易、且无任何未偿还款项和存款的长期睡眠信用卡，分阶段进行信用卡降额、停用或销卡等相关处理。</span></section><section style="outline: 0px; max-width: 100%; box-sizing: border-box;"><br style="outline: 0px; max-width: 100%; box-sizing: border-box !important;"></section><section style="outline: 0px; max-width: 100%; box-sizing: border-box;"><span style="outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(255, 255, 255); background-color: rgb(31, 64, 108);">恒丰银行</span>将于2023年3月31日起，陆续对发卡满18个月以上仍未激活或已激活却连续满18个月及以上未发生主动交易且当前透支余额、溢缴款为零的长期睡眠信用卡停止用卡服务并办理销卡手续。</span></section><section style="outline: 0px; max-width: 100%; box-sizing: border-box;"><br style="outline: 0px; max-width: 100%; box-sizing: border-box !important;"></section><section style="outline: 0px; max-width: 100%; box-sizing: border-box;"><span style="outline: 0px; max-width: 100%; font-size: 16px; box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; box-sizing: border-box; color: rgb(255, 255, 255); background-color: rgb(31, 64, 108);">平安银行</span>公告称，将于2023年4月1日起通过AI电话或短信等方式向满足条件的部分长期睡眠客户进行通知，客户未在规定期限内根据通知要求对卡片进行操作的，将对其采取销卡或销户措施。</span></section></section><div style="text-align: center;"></div></section></section><section style="text-align: left;box-sizing: border-box;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(56, 54, 53); font-size: 15px; letter-spacing: 2px;"><br></span></section><section style="text-align: left;box-sizing: border-box;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(56, 54, 53); font-size: 15px; letter-spacing: 2px;">2月银行睡眠卡清理进程明显加速，中国银行、平安银行、恒丰银行、北京农商行均发布通知。此前，</span><strong style="color: rgb(56, 54, 53); font-size: 15px; letter-spacing: 2px; box-sizing: border-box;">招商银行、兴业银行、浦发银行等多家银行也曾发布开展长期不动户清理工作或信用卡客户持卡数量上限公告。</strong></section><section style="font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;">例如，兴业银行曾发布提醒公告称，同一客户在该行新开立信用卡账户时，持有该行当前状态正常的信用卡总数量不能超过6个。</p><p style="white-space: normal;box-sizing: border-box;"><br></p></section><section style="padding-right: 10px;padding-left: 10px;letter-spacing: 2.5px;color: rgb(48, 83, 124);text-align: center;box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">为何大规模清理睡眠账户？</strong></p></section><section style="font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">“从去年下半年以来至今，各银行陆续发布公告对信用卡业务开展规范管理。从年内银行公告内容来看，<strong style="box-sizing: border-box;">除了加强对信用卡资金流向的监控外，清理长期未使用的信用卡仍是重点工作。</strong>”博通分析金融行业资深分析师王蓬博表示，银行清理睡眠账户有两大益处，一是降低管理成本，二是防范电信诈骗、洗钱等违法犯罪。</span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">资深信用卡专家董峥指出，对于银行而言，睡眠卡清理有其必要性。一方面睡眠卡虽然日常不被使用，但仍在银行的数据库中，因此会存在管理成本；另一方面，银行在睡眠卡上监控较少，存在一定金融风险。</span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">我国睡眠卡规模有多大？根据中国银行业协会统计数据，截至2020年末，信用卡(包括贷记卡和准贷记卡)的累计发卡量为11.3亿张，其中6个月内有过使用记录的累计活卡量为7.4亿张。这也意味着，有近4亿张卡在6个月内没有任何使用记录，处于“睡眠”状态。</span></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;"><br></span></p></section><section style="padding-right: 10px;padding-left: 10px;letter-spacing: 2.5px;color: rgb(48, 83, 124);text-align: center;box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;"> 信用卡风控升级</strong></p><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">增量设限、规范分期业务</strong></p></section><section style="font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">在银行加速清理睡眠卡，风控升级的背后，是配套政策的引导。</span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">2022年7月份，中国银保监会、中国人民银行发布《关于进一步促进信用卡业务规范健康发展的通知》（以下简称《通知》），对信用卡业务经营管理、发卡营销行为、授信管理和风险管控、资金流向、信用卡分期业务规范管理、信用卡业务监督管理等方面进行规定。</span></p><p style="white-space: normal;box-sizing: border-box;"><br></p></section><section style="text-align: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;height: auto;box-sizing: border-box;"><br></section><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;height: auto;box-sizing: border-box;"><br></section></section><section style="font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="text-align: center;white-space: normal;box-sizing: border-box;"><span style="font-size: 14px;color: rgb(160, 160, 160);box-sizing: border-box;">银保监会网站截图</span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="margin-top: 10px;margin-bottom: 10px;text-align: left;transform: translate3d(10px, 0px, 0px);box-sizing: border-box;" powered-by="xiumi.us"><section style="width: 2.25em;height: 2.25em;border-top: 5px solid rgb(25, 67, 115);border-left: 5px solid rgb(25, 67, 115);transform: rotate(0deg);box-sizing: border-box;"><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section><section style="margin-top: -2.25em;box-sizing: border-box;"><section style="padding: 10px;background-color: rgb(242, 242, 242);width: 95%;box-sizing: border-box;"><section style="text-align: justify;padding: 10px;font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2.25px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">《通知》中规定，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数量的比例在任何时点均不得超过20%。</span></p></section></section></section></section><section style="font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">综合来看，《通知》发布后，各家银行就陆续推进相关业务的整改工作。<strong style="box-sizing: border-box;">除了清理睡眠信用卡、限制持卡数量外，分期业务规范管理也是调整的方向之一。</strong></span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;"><strong style="box-sizing: border-box;">部分银行还对主卡、附卡的数量做了详细限定。</strong>以招商银行为例，该行信用中心规定，同一客户在该行持有的信用卡主卡及附属卡有效卡数量总计不超过20张（含20张）。其中，客户名下持有的主卡有效卡数量不超过10张（含10张）。</span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;height: auto;box-sizing: border-box;"><br></section></section><section style="font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="text-align: center;white-space: normal;box-sizing: border-box;"><span style="font-size: 14px;color: rgb(160, 160, 160);box-sizing: border-box;">图源：第一财经</span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">此前已有工商银行、中国银行、邮储银行、招商银行等<strong style="box-sizing: border-box;">多家银行宣布将“分期手续费”更名为“分期利息</strong>”。以工商银行为例，自2023年1月1日（含）起，该行信用卡分期付款业务的“分期手续费”调整为“分期利息”。</span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;height: auto;box-sizing: border-box;"><br></section></section><section style="font-size: 14px;text-align: center;color: rgb(160, 160, 160);letter-spacing: 2px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;">图源：建设银行官网</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;height: auto;box-sizing: border-box;"><br></section></section><section style="font-size: 14px;text-align: center;color: rgb(160, 160, 160);letter-spacing: 2px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;">图源：工商银行官网</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section><section style="text-align: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 95%;height: auto;box-sizing: border-box;"><br></section></section><section style="font-size: 14px;text-align: center;color: rgb(160, 160, 160);letter-spacing: 2px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;">图源：农行官网</p></section><section style="font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">某股份行信用卡相关人士指出，从去年新规发布开始，其所在银行一方面开始在存量端开展大规模促激活的活动，如使用送话费、会员等，试图最后“抢收”回一波睡眠客户。另一方面开始系统盘点睡眠卡客户规模，为集中清理做好准备。在他看来，此次新规的力度比预期要大，对未来三年的信用卡市场都有巨大影响。</span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><br></p></section><section style="padding-right: 10px;padding-left: 10px;letter-spacing: 2.5px;color: rgb(48, 83, 124);text-align: center;box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">开展线上信用卡业务试点</strong></p></section><section style="font-size: 15px;color: rgb(56, 54, 53);letter-spacing: 2px;padding-right: 12px;padding-left: 12px;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">《通知》还提出，银保监会、央行按照风险可控、稳妥有序原则，推进信用卡行业创新工作，<strong style="box-sizing: border-box;">通过试点等方式探索开展线上信用卡业务等创新模式</strong>。</span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">对于银行业金融机构参与线上信用卡业务试点需要具备的条件，银保监会有关部门负责人表示，将按照高质量发展导向，优先选择人民群众服务认可度、信任度高，消费者权益保护和信访投诉要求落实到位，经营理念和风控合规审慎严格，各项整改工作达到监管指标的银行业金融机构参与试点。</span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">《通知》明确，本通知自公布之日起施行。过渡期为本通知实施之日起2年，存量业务不符合本通知规定的，应当在过渡期内完成整改，<strong style="box-sizing: border-box;">并在6个月内按照本通知要求完成业务流程及系统改造等工作，改造后新增业务应当符合本通知规定。</strong></span></p><p style="white-space: normal;box-sizing: border-box;"><br></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;">“对于试点机构，不一定要等到2年过渡期结束或者6个月系统改造等工作结束，而是鼓励机构早整改早试点，只要整改到位，符合相关条件和要求，就可以进行试点。”银保监会有关部门负责人表示。</span></p><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal;box-sizing: border-box;"><span style="font-size: 16px;"><strong style="box-sizing: border-box;">何为线上信用卡</strong>，银保监会有关部门负责人解释称，按照现行监管规定，消费者申请信用卡还需要履行线下的手续，“线上信用卡则不需要，完全是通过线上来完成，二者不是有没有实体卡的区别。预计后续还会出台线上信用卡业务的细则来指导业务开展，当然这个过程也是不断完善的，而且业务转到线上并不意味着监管要求的放松。”</span></p></section><section style="letter-spacing: 2px; padding-right: 12px; padding-left: 12px; box-sizing: border-box;" powered-by="xiumi.us"><p style="font-size: 15px; color: rgb(56, 54, 53); white-space: normal; box-sizing: border-box;"><br></p><p style="font-size: 15px; color: rgb(56, 54, 53); white-space: normal; box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="white-space: normal; box-sizing: border-box; line-height: 1.75em; margin-bottom: 0px;"><span style="box-sizing: border-box; letter-spacing: 1px;"><font color="#808080" style="" size="1">来源：银保监会网站、各银行官网、第一财经日报</font></span></p></section></section><p style="display: none;"><mp-style-type data-value="10000"></mp-style-type></p> 办太多了，不记得用冇用过 清就清啦，反正唔用 信用卡都清？
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