2010年12月有媒体称,中国银监会业务创新监管协作部负责人表示,为防止以礼物为引诱,吸引不合格的消费者办理信用卡,银监会未来可能叫停信用卡发卡赠礼。虽然该负责人并未透露叫停信用卡发卡赠礼的明确时间表,然而消息一出,仍引发了各方关注。作为有的银行吸引客户办卡的手段之一,赠礼叫停是否意味着银行发卡业务竞争将更加激烈?能否真正有效降低信用卡坏账风险率? According to media reports in December 2010, the head of the CBRC’s business innovation regulatory cooperation department said that in order to prevent attracting unqualified consumers to handle credit cards with gifts, the CBRC may stop issuing credit cards in the future. Although the person in charge did not disclose a definite timetable for stopping the credit card issuance, however, the news still aroused the concern of all parties. As some banks to attract customers to do one of the means of card, whether the ban means that the bank card issuing business competition will be more intense? Can really reduce the risk of credit card bad debt?