The 6-month 30-plus delinquency rate on our new card vintages went from 1.2% to about 1.9%. Over the same period quarterly new accounts grew from 100,000 to 140,000, and all 40,000 extra accounts came from a new partner channel. The CRO wants to tighten approvals across the board, and the growth team is pushing back. How would you assess this, and what would you recommend?

最近新卡开卡后6个月的30天以上逾期率从1.2%升到了约1.9%。同期每季新户从10万涨到14万，多出的4万都来自一个新的合作渠道。风控总监想全面收紧审批，增长团队反对。你怎么判断，给什么建议？