Postal savings loan is a loan product used by postal bank for personal daily consumption for customers currently paid by postal bank. The biggest feature of this product is to actively grant credit to high-quality customers without mortgage and guarantee, and the loan amount is mainly determined according to everyone's salary income. According to the card club, the amount you can apply for is about 90% of your annual income, but the maximum amount of application provided to you at present is not more than 300 thousand yuan. Postal loan is an online loan product belonging to Postal Savings Bank. You don't need to go to the local outlets. You can do it through online banking or mobile banking. The longest loan period is 2 years.
I. Introduction of Postal Savings Bank
Postal savings in China can be traced back to the postal savings business started in 19 19, which has a history of one hundred years. In March 2007, on the basis of reforming the original postal savings management system, Postal Savings Bank of China Limited was formally established. 20 12 1 month, the whole company was restructured into a joint stock limited company. From 20 15 to 12, ten domestic and foreign strategic investors were introduced. 2065438+listed on the Hong Kong Stock Exchange in September 2006. 20 19 to 12 were listed on the Shanghai Stock Exchange, and the three-step reform goal of "share reform-leading battle-listing in A and H" was successfully completed.
The bank has nearly 40,000 outlets, serving more than 600 million individual customers, giving full play to the unique mode advantage of "self-support+agency" to serve "agriculture, rural areas and farmers", urban and rural residents and small and medium-sized enterprises. With excellent asset quality and remarkable growth potential, the Bank is a leading large retail bank in China. In the face of the promising period of strategic opportunities for China's economic and social development, the Bank will base itself on the new stage of development, implement new development concepts, serve the new pattern of development, comprehensively deepen reform and innovation, and strive to build itself into a first-class large-scale retail bank with customers' trust, distinctive features, stability and security, innovation-driven and excellent value.