1. Different product positioning: CCB's fast loan is mainly for individual customers, providing small-sum fast loan services, which is suitable for short-term capital needs such as personal consumption, tourism and education. The construction of a loan is mainly aimed at corporate customers, providing loan services for small and medium-sized enterprises, supporting enterprise development, expanding production scale and other long-term capital needs.
2. Different application conditions: The application conditions of CCB Express Loan for individual customers are simpler, and the approval speed is faster if collateral or guarantor is not needed. The application conditions of Jianyi Loan will be stricter for corporate customers, and it is necessary to provide relevant supporting documents, operating conditions and other information, and provide guarantees or collateral.
3. Different loan amount and term: The loan amount provided by CCB Express Loan is relatively small, ranging from tens of thousands to hundreds of thousands, and the loan period is short, ranging from several months to several years. Building a loan can provide a larger amount of loans, reaching several million yuan or more according to the actual situation of enterprises, and the loan period is longer, which can be extended to several years or even longer according to the actual situation.