1. What's the difference between Dragon Cartoon of CCB and Yunongtong?
The service groups are different. CCB ordinary cards are for all users, while CCB Kayu Nongtong focuses on individual farmers, large professional households, agricultural cooperatives and other related agricultural groups living in rural areas.
The rights and interests are different. The rights and interests of CCB ordinary cards are determined according to the credit card rights and interests applied by the cardholders. Yunongtong has reduced some fees, and debit cards have five fee reductions.
types of construction bank cards: mainly divided into the following four types.
savings card: savings card is the most common bank card of CCB and a kind of debit card, which mainly has the functions of deposit, withdrawal and consumption. You can deposit and withdraw money on ATM machines, and you can also deposit and withdraw money at bank counters. The consumption is mainly on POS machines.
AliPay Dragon Card: AliPay Dragon Card is an online shopping card jointly launched by CCB and Barry Baba. It belongs to a kind of debit card in essence, but it combines the concept of e-commerce, and has all the functions of Alipay besides the functions of debit card.
quasi-credit card: quasi-credit card is a kind of CCB credit card. Users need to submit part of the reserve funds when opening the card in the bank. When the balance of the reserve funds is insufficient, the quasi-credit card has a certain credit in CCB and can still be consumed within the credit limit. The essence of quasi-credit card is a credit card that can be overdrawn.
international credit card: the international credit card is a credit card issued by China Construction Bank, which can be used in all-pass range. It has dual-currency function, and it is more convenient to use and wider in application than ordinary credit cards.
Precautions for using bank cards:
Under no circumstances should you disclose your bank, password, and other related information, especially SMS verification code. Personal data should also be protected, such as mobile phone number, ID number, etc. Don't tell strangers at will.
Use passwords that are not easy to crack, and avoid setting passwords by means of birthdays, ID numbers or simple numbers.
When shopping, be sure to check whether the amount is correct, and take protective measures when entering the password, such as shielding the operation. Pay attention to whether the card you get back is my own card after swiping it.
if you receive some strange short messages with links to strange websites, you must check them carefully and don't click on the links at will. If you receive false phone calls or short messages, you can directly call the official customer service hotline for consultation to verify whether the received message is correct.
second, how is the loan period stipulated by the Agricultural Bank of China?
To get a loan, you must have at least one of mortgage or guarantee, otherwise the bank can't guarantee that you can recover the funds if you can't repay them at maturity, so you must have mortgage or guarantee. If there are no mortgaged assets under the personal name of the landlord, others can also make a third-party mortgage. The amount of the loan is also determined according to the assessed price of the collateral. If it is a guarantee, the bank will also judge whether to borrow according to the income level of the lender.
The main judgment basis of the bank is income, credit, mortgage or guarantee, which has nothing to do with others. The landlord need not worry about anything at this point.
3. China Bank's loan for benefiting farmers and personal loans for agriculture?
hello, I think you want to expand. Well, you can find the rural credit cooperatives in the town for animal husbandry. You can go there and ask about it. They should know more about it.
IV. The loan term of China Bank's individual agricultural loan
The loan term for planting, animal husbandry, forestry and agriculture-related industrial chain: reasonably determined according to the loan purpose, the borrower's cash flow cycle and other factors, generally not more than 3 years, and the longest is not more than 5 years; The loan term for agricultural machinery loans: the longest is not more than 3 years. The above contents are for your reference. Please refer to the actual business regulations. If you have any questions, please contact online customer service of Bank of China. You are cordially invited to download and use China Bank Mobile Banking APP or BOC Cross-border GOAPP to handle related business.