Social Credit Environment Govemance and Credit Card Security

The credit card market is characterized by asymmetric credit information,which creates potential credit risks and fraud risks.Thus the issue of credit card security may lead to a series of financial and economic risks.The degenerating social credit environment will intensify the relevance effect between the two in practice.The measures for management are as follows: build a formal system framework of the financial credit environment by systematizing and standardizing legislation in the financial credit field;establish a transaction and transmission mechanism of credit information and resources oriented by the unified financial credit information market;reshape an informal system environment of social credit aiming at applying the credit awareness in behavior and regularizing the credit behavior.