Credit cards, as the name suggests is a standard for assessing credit cards. It as a banking intermediary business, has been playing an important role in low-income threshold high in retail banking, but based on its own after the first repayment of consumer characteristics of the risk caused by the equivalent of unsecured bank microfinance loans. Therefore, in order to reduce or even completely avoid the use of credit card customers brought credit risk. Banks need to start from the client application links to ensure strict approval process, strengthen the identified risks. That is, we often say that the credit card into pieces, each commercial bank credit card into pieces roughly the same way, but some do not like the place, which is based on the development of the commercial bank's own position and operating philosophy of the decision. In this paper, in order to analyze the way China Merchants Bank credit card into pieces, and from several aspects Talking about the impact of their own development.Google 翻译的