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wholesale live to ride jewelry 1. Risk control due to frequent leaving money and loss passwords. Generally, about 24 hours, the risk control status will be lifted automatically.
2. Risk control caused by credit card overdue. Generally, it will be automatically lifted for one to three months.
3, credit cards are suspected of cash withdrawal and other illegal transactions, risk control can only be eliminated for several years.
The expansion information:
bank risk refers to the possibility of economic losses caused by various factors in the operation, or the bank's assets and income suffered losses suffered losses The possibility. Including credit risk, illegal borrowing risk, illegal fund -raising risks and other risks. Banks mainly face credit risk, interest rate risk, liquidity risk, exchange rate risks, market risks, legal risks, business risks, management risks, national risks, competitive risks, and compliance risks.
Generally based on risk reasons, it can be divided into the following categories:
Credit risk
Credit risk, also known as breach of contract risk. Refers to the borrower's failure to repay the principal and interest of the loan in accordance with the contract, which causes the bank to suffer losses. It is one of the main risks facing commercial banks.近几年来，国内经济进行体制改革，一些大中小型企业，由于长期运作不规范，造成企业严重亏损，以致于形成银行有钱不敢贷款，企业生产缺资金，资信良好的企业不贷款，经营Poor enterprises cannot loan. There are several forms of bank loan risks: ⑴ Poor enterprise operating performance, even bankruptcy, unable to repay loans, or lack of loan repayment capabilities, insufficient loan repayment capabilities.
: Loan projects have large investment, slow recovery, and low efficiency.
Court of bank loan procedures illegal, resulting in failure to collect loans normally.
illegal lending risk
illegal lending risk refers to illegal lending between financial institutions, causing huge amounts of funds to lose and cannot be recovered.
illegal fund -raising risk
illegal fund -raising risks, banks absorb deposits with high interest rates, and in the case of government interest rate adjustment or losses, the deposit cannot be redeemed and risky.
If financial fraud risk
financial fraud risk. There are many common financial fraud crimes: such as using fake coins, using credit cards, credit cards, large deposit orders and other bank credit vouchers to engage in financial fraud criminal activities.
Per other risks
Il risk. With economic globalization, banks face more risks, such as interest rate risks, exchange rate risks, investment risks, national risks, and competitive risks.
The contract between banks and lenders, and the loan must return to the bank even if they expire. There are also contracts between banks and storage households, and the bank pays the principal and interest to the store when expired. However, the "hardness" of the contract on both sides of the bank is different.
The contract between banks and loan companies is relatively "soft". If the enterprise does not pay for it, the bank can only force the debt by legal means. In case the loan cannot be collected, it has to wait for how much this company will get back after bankruptcy. The relationship between Chinese banks and state -owned enterprises is softer. State -owned enterprises have not yet paid money, and banks have been unprepared. However, the relationship between banks and stores is "hard". Unless the bank goes bankrupt, the reserved households have the power to get back their own funds. In a sense, banks have concentrated the risk of operating many companies on themselves.