Third, commercial banks are encouraged to enter other sectors through the issuance of joint-branding card, which is basis for the final integration. Commercial banks should also pay close attention to the operation, financial situation and fund use of their card coissuing partners, so possible risks can be prevented.
Fourth, the scope of use as well as the credit limit should be clarified to prevent fund risk. Duplicated investment and waste of resources should be avoided, because they could lead to disorderly competition. Stick to innovation and more efforts go to the set-up of bankcard with Chinese IPR.