Traffic information card, why is it so awesome?

There is such a "super cow" card: nominally a "traffic safety information card" that is convenient for motorists to pay fines, but in fact it is a credit card with "financial function" jointly promoted by traffic police departments and specific banks. Drivers must carry this card before they are allowed to go on the road. If they don't do it, they will face a series of problems such as new car licensing and old car annual inspection. In some places, millions of drivers are forced to apply for such traffic safety information cards. Moreover, some other provinces have indicated that they will promote it soon.

The driver was asked

It is necessary to set up an "information card" for cooperation between banks and police.

On 20 13 12, Shanxi Provincial Public Security Department and China Construction Bank Shanxi Branch issued Shanxi Traffic Dragon Card ic credit card, claiming that this traffic safety information card has "financial functions" such as overdraft consumption, special installment payment, high insurance and withholding.

In addition, the "Anhui Edition" traffic safety information card has been clearly issued by China Industrial and Commercial Bank in cooperation with the traffic police department, and the card fee for the previous 10 year is exempted.

In Shaanxi, some drivers who apply for motor vehicle driver's license for the first time are also told to fill in and apply for Shaanxi traffic safety information card. At the same time, according to the requirements of the previous documents, from May 1 day, 1965, all drivers with motor vehicle driving licenses issued by the traffic management department of Shaanxi Province must receive and use traffic safety information cards.

What kind of card is the so-called "traffic safety information card"? The reporter saw on one of the cards that there were not only the credit card number and the words "China Construction Bank", but also the account number of the non-stop electronic toll collection system. The staff of "95533" service hotline of China Construction Bank confirmed that this card type is credit card.

In addition, the staff of the service hotline of China Industrial and Commercial Bank said that similar traffic safety information cards in Anhui and other provinces will be "Peony Smooth Credit Card" issued by China Industrial and Commercial Bank after the "financial function" is opened, with the amount ranging from 600 yuan to 50,000 yuan.

Compared with ordinary credit cards that are handled voluntarily and free of charge, some traffic safety information cards are "full of bull":

The staff of a business department of Xi 'an of China Construction Bank said that when the "financial function" of this card is opened, it is necessary to provide property proof materials such as real estate license, otherwise this "credit card" will have no limit. You have to deposit money in the card first to pay a fine, but there is no interest on saving money. According to industry insiders, since most credit cards (debit cards) are interest-free deposits, the fines pre-stored by drivers may become interest-free deposits obtained by banks at low cost.

In addition, although some cities claim that getting a card is "free and voluntary", in fact it is as "essential" as a driver's license. Even a few years later, drivers must have a driver's license and a traffic safety information card when they go on the road, so that they can carry it with them.

For example, on September 15 this year, the Vehicle Management Office of the Traffic Police Detachment of Datong Public Security Bureau issued the Notice on Accelerating the Popularization of Traffic Dragon Card of China Construction Bank, which made it clear that from September 22, anyone who handles vehicle and driver business must provide a traffic dragon card "one card" or a traffic dragon card "one card" to handle related business.

Push hard, push hard.

Euphemistically called "convenient service"

In fact, the number of such traffic information cards handled in various places is increasing greatly under the strong promotion of various card handling requirements and even "red-headed documents". "At present, a city outlet can accept more than 500 card applications a day, and the processing volume is conservatively estimated to be hundreds of thousands." The person in charge of a provincial branch of an issuing bank said.

In fact, the rest of the commercial banks are envious of individual banks that undertake issuing cards: "Traffic information cards can not only pay fines, but also require you to carry them with you. The momentum of capital flow can be imagined. At the same time, it is equivalent to issuing millions of credit cards more than other banks. " The person in charge of the credit card department of a commercial bank in the Yangtze River Delta said.

Some grass-roots traffic police departments said that handling traffic safety information cards will greatly facilitate the payment of fines in different places, and can also effectively prevent some people from stealing other people's driving licenses to deal with illegal points deduction. This is indeed a convenient measure. However, in practice, the behavior of banks and enterprises "issuing cards by hitchhiking" with the help of this policy has always been controversial:

-Linked to the public service, but "you can't use it without opening the card".

According to a document, in July this year, the vehicle management office of Linfen City, Shanxi Province issued a notice to a number of service units, clarifying that I must apply for the "one-card" traffic safety information of Zhang Jianshe Bank for new car registration, used car annual inspection, driver replacement and freshman driver's license examination.

Drivers in some places report that although some banks claim to open "financial functions" for free, they actually require "card opening", do not support inter-bank payment, and even send them directly without going through our counter.

-In addition to commercial banks, some unknown enterprises set up by "firewire" have also become the beneficiaries of "convenience service".

According to the recruitment notice issued by relevant enterprises, there is also a company named "Wanshengda Information Technology Co., Ltd.", which claims to participate in the development of a provincial traffic safety information card. Inquired from the credit information publicity system of industrial and commercial enterprises, the company was established on September 29, 20 13, and took over this "big order" a few months later. The company also said in the recruitment notice that it is necessary to realize "everyone holds" motor vehicle drivers in the province within two years and "form a regional exclusive monopoly service".

-Cards with overlapping functions "have to be handled every few years"?

In some provinces, similar "traffic information cards" have been handled in previous years. For example, some old drivers in Shaanxi still have IC cards with similar functions around 1998. "At that time, it was also required to open a special account in the bank and deposit 100 yuan of work expenses." A driver with more than ten years' driving experience in Xi 'an said that now more than ten years have passed and the old card has not been invalidated. Why do you need a new card?

Reject monopoly

Drivers have the right to "appeal"

Article 32 of the Anti-monopoly Law of the People's Republic of China stipulates: "Administrative organs and organizations authorized by laws and regulations with the function of managing public affairs shall not abuse their administrative power to restrict or restrict in disguised form the business operators designated by them to operate, buy and use the goods they provide." Some bankers said that individual banks borrowed administrative services to replace cards with cars, which impacted the credit card market order. Under the background of governing the country according to law and decentralization, this kind of "strong execution" is unimaginable.

"Traffic information card payment can only choose one bank, and the essence of bank card is credit card. This kind of behavior is suspected of monopoly and infringes on consumers' free choice. Lawyer Xu Feng, a partner of Shanghai Huarong Law Firm, said that the administrative organs should follow the principle of voluntariness when promoting the service of "combining punishment with payment" for paying fines on the spot for traffic violations. The current traffic regulations do not require that traffic fines must be paid on the spot. In the actual law enforcement punishment, it is also necessary to give the driver a certain appeal period. "

In response to questions from the masses, some local traffic police departments are rectifying. A staff member of Shanxi traffic police system said that after the controversy caused by "compulsory licensing", it was nothing to promote. The person in charge of the Shaanxi traffic police department said that according to the requirements, the owner still has to apply for this card, but when using it, he will take the function of "actively opening the card and not carrying it without punishment".

Xu Yuping, a lawyer of Beijing Bank of China Law Firm, believes that the issuance of credit cards depends on personal credit. If a person must have a card and must open a card, banks may be involved in card spamming and credit abuse. According to the Measures for the Supervision and Administration of Credit Card Business of Commercial Banks, credit card business should strictly abide by national laws and regulations, including the anti-monopoly law, and may not issue cards against customers' wishes.

In addition, some drivers said that with the improvement of the payment network, drivers can already pay in different places and online, and relevant departments should re-examine the necessity of the policy. Xu Guangjian, deputy dean of the School of Public Administration of China Renmin University, believes that administration according to law is not only the basic requirement for administrative organs, but also the right of consumers when facing public services.

According to Xinhua News Agency's "Xinhua Viewpoint"