(1) It has been in business for more than 3 years and has a good business foundation for handling retail business;
(2) It meets the monitoring indicators for asset-liability ratio management promulgated by the People's Bank of China and is in good operating condition;
(3) The business has established a scientific and perfect internal control system with clear internal authorization approval procedures;
(4) Having qualified managers and technicians and corresponding management institutions;
(5) Safe and effective computer processing system;
(six) the issuance of foreign currency cards must also have the qualification to operate foreign exchange business and the corresponding foreign exchange business management level;
(seven) other conditions stipulated by the people's Bank of China.
A commercial bank whose extended information meets the above conditions may apply to the People's Bank of China for opening a bank card business and submit the following materials:
(1) application report: demonstrate the necessity and feasibility, and make market forecast;
(two) the bank card articles of association or management measures and the draft card sample design;
(3) Internal control system and risk prevention measures;
(four) the test report issued by the competent department of science and technology of the People's Bank of China on the technical standards of system security;
(5) Other materials required by the People's Bank of China.
Baidu Encyclopedia-Bank Card Management Measures