1, external insurance and internal loans
The external insurance and internal loan business of small and micro enterprises is a credit business that China Construction Bank handles for domestic small and micro enterprises with China Construction Bank as the beneficiary under the guarantee of standby letter of credit/guarantee issued by overseas financial institutions.
2, government procurement loans
China Construction Bank handles RMB working capital loan business for small and micro enterprises that have signed government procurement contracts, and the repayment source is financial funds.
3. Secured loan
China Construction Bank cooperates with the government, and on the basis of certain guarantees provided by enterprises, enterprises pay a certain proportion of guarantee funds and risk compensation funds provided by the government, which are all credit business as a means of credit enhancement.
4. Supply loans
The "supply loan" business of small and micro enterprises refers to the loan business handled by China Construction Bank for small and micro enterprises, the upstream supplier of specific high-quality customers, with undisputed accounts receivable between the two parties as pledge.
5. Housing loan
The "home loan" business of small and micro enterprises is issued by China Construction Bank to small and micro enterprises, which is specially used for purchasing fixed assets such as commercial houses, office buildings, standard factories, storage houses, machinery and equipment, and RMB loan business for decorating commercial houses and office buildings.
6. Guarantee loan access
"Loan guarantee" refers to the credit business handled by China Construction Bank to small enterprises insured with "small enterprise loan performance guarantee insurance".
7. Business alliance loans
"Business Alliance Loan" business is a credit business issued by China Construction Bank to enterprises in the alliance, and each enterprise provides joint and several liability for all debts incurred by all other borrowers applying for loans from China Construction Bank.
8. Online mortgage loan
Small business line mortgage loan is a loan issued by China Construction Bank to small businesses, which can be mortgaged once and recycled within the validity period of the loan line.
9. Lease pass
Small business "lease loan" business is a working capital loan business in which several small business merchants in the store apply for loans from China Construction Bank and the store provides joint liability guarantee. Shopping malls include department stores, professional markets, small commodity markets, commercial streets and commercial buildings.
10, Chengdaitong
"Credit Link" is a small unsecured loan issued by China Construction Bank to small business customers. The owner or actual controller of the enterprise provides personal joint and several liability guarantee for the turnover of production and operation funds of small business customers without mortgage.
1 1, corporate account overdrawn.
The overdraft business of small business legal person account is a credit business that CCB allows small business customers to overdraw within the agreed account, quota and time limit in order to meet the temporary financing convenience.
12, endowment loan pass
The "endowment loan link" business is a comprehensive financial service business in which China Construction Bank provides loans and investment choices to SME customers with listing potential.
13, film and television loan
"Film and television loan" refers to the business in which a TV drama production enterprise takes the accounts receivable generated from the TV drama broadcasting license contract signed with the TV station as the pledge, and adds the corresponding copyright pledge, and the controlling shareholder or actual controller of the TV drama project bears the joint and several liability to apply for a loan from China Construction Bank.