"Jinnong Credit E-Loan" comprehensively integrates financial data in the bank, government affairs data and credit data of the People's Bank of China, and accurately constructs a 360-degree customer portrait. Driven by big data and model technology, Anhui Jinnong Mobile Banking is the carrier to provide self-help and more favorable and convenient loan services for individual industrial and commercial households, provident fund customers, social security customers, urban and rural residents and other groups.
Customers can apply for loans online by themselves, with automatic approval, scientific credit granting, flexible pricing and fast lending. The credit line can be recycled, and customers can make loans and repayments online at any time through mobile banking.
I. Main functions
Customers can apply for "Jinnong Credit E Loan" online through Anhui Jinnong Mobile Banking, and the system will automatically approve the credit and complete the signing. After the credit is granted, you can make self-service payment and inquire about loan information in mobile banking and personal online banking.
Second, it is suitable for users.
1. It is necessary for Anhui Rural Commercial Bank to settle personal debit card accounts, including Jinnong Card, Easy Loan Card and Financial Social Security IC Card;
2. It is necessary to open the mobile banking or personal online banking business of Anhui Rural Commercial Bank;
3. The borrower meets the requirements in age, has full capacity for civil conduct and is in good health;
4. The projects engaged in or operated are in line with the relevant provisions of the national industrial policy and have the ability of sustainable operation;
5. Have a legal and reliable source of income, have the ability to repay the loan principal and interest in full, have a strong sense of credit, have a good credit standing, have no bad habits, and have no bad behavior records;
6. The credit and secured loans of rural commercial banks have not been handled or settled, and there are no records of loan default, illegal records, malicious evasion of debts and other bad behaviors;
7. The loan has a clear, true and legal purpose.
Third, matters needing attention
1. "Jinnong Credit E Loan" is a personal customer business, and customers of enterprises and institutions cannot handle it.
2. If the elements of "Jinnong Credit E Loan" change, the existing credit granting should be cancelled and the credit granting process should be restarted.
3. "Jinnong Credit E Loan" can be lent to a kind of debit cards, including Jinnong Card, Easy Loan Card and Social Security Card, excluding passbook.
4. The longest credit period of "Jinnong Credit E Loan" is 3 years, and the longest single credit period is 12 months.
5. "Jinnong Credit E Loan" has a maximum credit line of 300,000 yuan for personal consumption and 500,000 yuan for production and operation, and the guarantee method only supports credit or guarantee.
6. The business of "Jinnong Credit E Loan" can only lend money within the validity period of credit, but not outside the credit period, and the longest loan period shall not exceed the longest payment period agreed upon at the time of credit.
7. All loans in the "Jinnong Credit E Loan" business default to automatic deduction of principal and interest. According to the order of business, the normal loan will be deducted from the interest first and then the principal, and the impaired loan will be deducted from the principal and then the interest.
Operating environment: Apple 13 ios_ 15 Anhui Jinnong Mobile Banking 5_3_8