The wrong concept of credit cards in the chinese authoritative legal documents showed the lack of knowledge of the credit card business in the country and the insufficiency in relative theoretical researches 我国权威法律文件对信用卡概念和归类上的错误，正可以充分说明国内对真正信用卡业务认识的不足，以此为对象的理论研究则更为贫乏。
Consumer lending contracted , particularly in the credit card business , in the light of the historically high level of personal bankruptcies and the sharp deterioration in the quality of credit card lending . according to the hkma s regular 由于个人破产宗数升上历史高位，以及信用卡贷款质素大为恶化，消费贷款，特别是信用卡业务方面的贷款收缩。
The credit card business is a big business . it is also a global business and therefore it is difficult to use regulation to resolve problems , because laws are usually only of domestic , rather than international , application 信用卡业务是一门大的生意，也是一项全球化的业务，因此难以透过监管来解决问题，因为有关法律往往只可以在当地实施，在国际上并没有效力。
To resolve the increasingly imminent legal conflicts and disputes about credit card business , it is overwhelmingly urgent for us to update our related laws and regulations and establish a completed legal system in this regard 目前,我国信用卡相关的法律法规远远不能满足现实需要。为了解决银行信用卡市场日益凸显的法律矛盾和纠纷,我国迫切需要完善信用卡相关的法律法规。
The hkma carried out focused examinations of ais that were active in credit card business to review their underwriting criteria , risk management practices and use of consumer credit data in assessing credit card applications 金管局对积极从事信用卡业务的认可机构进行重点现场审查，以检讨这些机构的发卡准则、风险管理方法，以及在评估信用卡申请时运用个人信贷资料的情况。
Specifically , focused examinations will be conducted in early 2003 to ensure that ais involved in credit card business continue to adopt prudent card issuing policies and effective portfolio management tools to manage the risk of the portfolio 具体上，重点审查将于2003年初进行，以确保参与信用卡业务的认可机构继续奉行审慎的发卡政策，并采取有效的业务管理方法以管理这类业务的风险。
What ' s special about the operation and management of credit card business in comparison with the traditional businesses of the bank ? how shall we explain the operation and management mode of the credit card business with principals of economics and management 信用卡业务较其他的银行传统业务，其经营管理的独特理念是什么，如何用经济学、管理学的理论去解释信用卡业务的经营管理模式
