随着人们消费理念的改变,人们对信用卡的使用越来越普遍,银行发放信用卡能够获取到相应利息收入,但是同时也存在一定的风险,用户的还款能力是银行在发放信用卡过程中需要考虑的一项重要问题。客户如果无能力偿还,最终银行可能会面临经济损失,因此,为了确保银行的稳定运行,必须要做好风险损失计提,针对出现的各种情况做好应对措施。 With the change of people’s consumption concept, the use of credit card is becoming more and more common. Banks pay credit card to obtain the corresponding interest income, but there are also some risks. The user’s repayment ability needs to be considered in the credit card issuance process An important issue If the client is unable to repay, the bank may eventually face economic losses. Therefore, in order to ensure the stable operation of the bank, risk loss accruals must be made and various measures should be taken to deal with the situation.