提高风险管理精细化水平 有国有大行试点信用卡逾期诉讼类费用计入账单

Core Viewpoint - A state-owned bank will start including litigation-related fees for overdue credit card accounts in the billing statements from September 14, 2025, which has attracted public attention [1]. Group 1: Announcement Details - The bank's announcement specifies that litigation-related fees include, but are not limited to, litigation fees, arbitration fees, property preservation fees, travel fees, execution fees, evaluation fees, auction fees, notarization fees, delivery fees, announcement fees, and attorney fees [1]. - These fees will be charged based on judicial or arbitration decisions, either individually or as a total amount if multiple fees are involved [1]. - The fees will only apply to amounts that are overdue and recognized by judicial processes as the responsibility of the cardholder, with no interest or penalties charged by the bank [1]. Group 2: Implementation and Scope - The pilot program will initially be implemented in the Shanghai branch of the bank, starting with the Changning sub-branch on September 14, followed by the Shanghai branch on October 11, and other branches on October 19 [1]. - The bank's credit card application agreements already indicate that cardholders are responsible for litigation-related fees arising from overdue accounts [2]. Group 3: Legal and Compliance Perspectives - Legal experts suggest that the bank's approach is a refinement of contract terms and does not violate existing laws, provided that the fees are based on effective judgments [3]. - The bank must ensure that cardholders are informed and have the right to dispute these charges to avoid compliance risks [3]. - The initiative is seen as a market-driven measure to enhance risk management and cost recovery within a compliant framework [3][4]. Group 4: Industry Implications - The move reflects a trend in the banking sector to manage rising overdue credit card accounts by transferring rigid costs like attorney fees to responsible parties, potentially reducing profit erosion [4]. - By making the costs of the entire litigation process transparent, the bank aims to deter malicious overdue behavior and encourage timely repayments from cardholders [4][5].