每經(jing)AI快訊，中國(guo)銀(yin)保(bao)監會(hui)、中國(guo)人(ren)民銀(yin)行(xing)(xing)發布《關于進(jin)一步促進(jin)信(xin)(xin)用(yong)卡業務規(gui)范健康發展(zhan)的通知》。通知指出(chu)(chu)，部分銀(yin)行(xing)(xing)業金融(rong)機(ji)(ji)構經(jing)營(ying)理(li)念不(bu)(bu)科學，盲目(mu)追求規(gui)模效應和市場份額(e)，濫(lan)發卡、重復發卡情(qing)況突(tu)出(chu)(chu)，授(shou)(shou)(shou)(shou)信(xin)(xin)管控(kong)不(bu)(bu)審慎，導致(zhi)無序競爭、資源浪費、過度(du)授(shou)(shou)(shou)(shou)信(xin)(xin)等問題。《通知》要求銀(yin)行(xing)(xing)業金融(rong)機(ji)(ji)構不(bu)(bu)得以(yi)發卡量、客(ke)戶(hu)(hu)數量等作為單(dan)一或(huo)主(zhu)要考核指標，長(chang)期睡(shui)眠(mian)卡率超過20%的銀(yin)行(xing)(xing)業金融(rong)機(ji)(ji)構不(bu)(bu)得新增(zeng)發卡。合(he)理(li)設置(zhi)單(dan)一客(ke)戶(hu)(hu)信(xin)(xin)用(yong)卡總授(shou)(shou)(shou)(shou)信(xin)(xin)額(e)度(du)上限。在授(shou)(shou)(shou)(shou)信(xin)(xin)審批和調整授(shou)(shou)(shou)(shou)信(xin)(xin)額(e)度(du)時，應當扣(kou)減(jian)客(ke)戶(hu)(hu)累(lei)計已獲其他機(ji)(ji)構信(xin)(xin)用(yong)卡授(shou)(shou)(shou)(shou)信(xin)(xin)額(e)度(du)。（中國(guo)銀(yin)保(bao)監會(hui)網(wang)站）