The development of credit business of China Merchants Bank Shenzhen Branch is as follows:
Since its establishment, Shenzhen Branch, under the correct leadership of the head office, has always adhered to the market-oriented and innovation-driven service concept of "changing with you". After 27 years of development, it has become a local bank with outstanding advantages and obvious characteristics in Shenzhen. Shenzhen Branch adheres to the coordinated development of quality, efficiency and scale, and is currently in the forefront of local peers and China Merchants Bank system in terms of customer base, business scale and operating efficiency. Adhering to the strategy of "one body and two wings" and "light banking", in corporate finance, the company implemented system reform earlier in the system, built professional service capabilities, and established a good market reputation in serving listed companies, state-owned enterprises, new kinetic energy customers and institutional customers by relying on a perfect service system. We have built inclusive finance's service brand in serving small and medium-sized enterprises by using the top products such as supply chain finance and bill financing. In terms of retail finance, Tuanxiang has established a three-dimensional and all-round product and service system combining online and offline, taking leading wealth management, private banking and family trust services as its mission, adhering to the concept of asset allocation, and constantly creating value for customers. Guided by innovation, it is unique in cross-border finance, asset management, investment banking and other fields. And relying on cross-border financing, M&A financing, bond underwriting, asset securitization, financial consulting and other rich and characteristic products, we provide customers with all-round financial services of "local and foreign currency, domestic and foreign investment banks, and stock creditor's rights". Adhere to the strategy of financial technology, establish diversified payment scenarios such as travel, convenience and business circle, and launch a number of heavyweight financial technology projects such as "Small and micro enterprises get online with one vote", "fast loan refund" and "credit flow visualization system".
What conditions do China Merchants Bank need for a loan?
There are four conditions:
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule.
3. Abide by laws and regulations, and have no illegal acts and bad credit records; Open a personal settlement account in China Merchants Bank.
At the same time, the most unforgettable thing is that the applicant must meet other conditions stipulated by China Merchants Bank.
The lender shall, with valid identity documents and relevant materials required by China Merchants Bank, fill in the credit application form, and submit a credit application to the handling bank for approval. The lender signed a credit agreement with China Merchants Bank. After obtaining the credit line, the lender can apply to the handling bank at any time, and the lending bank will release the loan to the lender's personal account.
The above contents are for reference only, and no loan suggestions are made. Online lending is risky, so choose carefully!
I suggest you take the money from Xiaoman Finance (formerly Baidu Finance) to get a loan. The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18-55 years old. The approval is very fast, as long as 30 seconds at the earliest, and the loan funds can be received in 3 minutes at the earliest. The maximum loan is 200,000 yuan, and the minimum daily interest rate is 0.02%.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Reminder: Try to withdraw cash in full after the quota is issued, because risk control is dynamic. Now the loan is not enough. If there is demand, it is best to withdraw it in full. Support early settlement of repayment after the first installment.
Many people don't have enough money to spend. You can try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict! 360 IOU is the financial service of 360 antivirus software, and installment music is owned by Lexin, both of which are big companies.
360 IOUs, with a maximum loan of 200,000!
Click online measurement to change the track.
Staging music can be borrowed up to 50 thousand!
Click Measure Ridge Online.
How to borrow a credit card loan from China Merchants Bank?
1, online banking.
Log in to China Merchants Bank official website and click "Credit Card" in the top bar of the main page; Then click "e-loan" in "loan installment" and select "click to handle" in the newly opened page; Install security login control and log in to personal bank for electronic loan.
2. Telephone processing.
Call the customer service hotline of China Merchants Bank, directly transfer to manual customer service according to the voice prompt, and apply for e-loan after identity verification.
3, the handheld life APP is handled.
Download the Pocket Life APP, open the latest version of the Pocket Life APP, select "Card Payment" → "E Loan" after logging in, and then try to apply. The system will give the audit results in real time.
After the application is successful, the cardholder will repay the principal and the installment fee in installments, which can be divided into 3 installments, 6 installments, 10, 12 installment, 18 installment, 24 installment and 36 installment. Installment principal and installment fee will be included in the current credit card bill.
It is relatively easy for CMB credit card holders to apply for loans. As long as the credit card is used normally and there is no bad credit record, they can apply for e-loan from the bank. Applicants can apply for e-loan through the Pocket Life App, online banking and calling the customer service hotline.
Extended data:
The credit cards of China Merchants Bank are divided into three grades: ordinary card, gold card and platinum card. Generally, the average card amount is between 3000- 10000 yuan, the gold card amount is between 10000-50000 yuan, and the platinum card amount is above 50000 yuan.
The specific credit card limit is evaluated by the bank according to the information provided by the applicant and the personal credit status. If the applicant's credit status is good, the credit limit will be higher, and the final credit limit will be subject to the audit results.
China Merchants Bank (1987) was established in Shekou, Shenzhen. It is the first joint-stock commercial bank wholly owned by an enterprise legal person in China and the first pilot bank to promote banking reform from outside the system.
Since it was first shortlisted in Fortune Global 500 in 20 12, it has been shortlisted for seven consecutive years, ranking 2 13 by the end of 20 18.
2065438+On June 26th, 2009, eight banks including China Merchants Bank launched the first batch of enterprise information networking verification systems.
20 19 July, 20 19 released the Fortune Global 500 ranking 188.
20 19, 1 1, "Belt and Road" China 100 top enterprises ranked 85th.
20 19 12, China merchants bank was selected as the brand of 20 19 China brand power festival 100.
20 19 12 18, People's Daily's "China Brand Development Index" 100 list ranked 3 1.
In 2020, 65438+ 10 and 65438+March were selected as winners of 2020 Hurun to Shangyou products.
In March 2020, it was selected as the 74th in the Top 500 Global Brand Values in 2020.
In May of 20021year, it ranked 22nd in "20021Forbes Global Enterprise 2000".
China Merchants Bank is headquartered in Futian District, Shenzhen. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began its public offering in Hong Kong, issuing about 2.2 billion H shares and raising HK$ 20 billion. It was listed on the Hong Kong Stock Exchange on September 22. The net capital exceeds 290 billion, and the total assets exceed 4.4 trillion.
By the first half of 20 17, China Merchants Bank had more than 1800 domestic and overseas branches, set up service outlets in more than 30 cities in Chinese mainland/kloc-0, and had 5 overseas branches and 3 overseas representative offices with more than 70,000 employees. In addition, China Merchants Bank also wholly owns CMB Financial Leasing Co., Ltd. and holds China Merchants Fund Management Co., Ltd., holding 50% equity of China Merchants Cigna Life Insurance Co., Ltd. and 50% equity of Zhaolian Consumer Finance Company; Wing Lung Bank Limited and CMB International Financial Holdings Limited are wholly-owned companies in Hong Kong.
Does Shenzhen Merchants Bank need pre-deposit for online loan?
The online loan of Shenzhen Merchants Bank does not require pre-deposit. According to the relevant public materials of the survey, online loans do not require pre-deposits. Even if the loan handling fee and agency fee are charged, they are directly deducted from the loan, and the loan amount after deducting relevant fees is directly paid to the borrower.
How does China Merchants Bank lend money?
The loan handling process of China Merchants Bank is the same. According to the handling requirements of China Merchants Bank official website, the process is as follows:
Treatment process
Step 1: Submit the application.
Step 2: Bank approval
Step 3: issue loans.
I. Application materials for individual first-hand and second-hand housing loans
Id card, marriage certificate
2. At least one proof of address: bills for water, electricity, gas, telephone or property management.
3. Select at least one income certificate: salary certificate/bank statement/income tax bill/social security record/other income certificate.
4. Proof of use: provide the corresponding purchase contract.
Second, personal consumption loan application materials
Id card, marriage certificate
2. Real estate license
3. At least one proof of address: bills for water, electricity, gas, telephone or property management.
4. At least one income family certificate: salary certificate/bank statement/income tax bill/social security record/other income certificate.
5. Proof of use: provide relevant transaction proof materials.
Three, personal car loan application materials
1. ID card and marriage certificate
2. At least one proof of address: bills for water, electricity, gas, telephone or property management.
3. Select at least one income certificate: salary certificate/bank statement/income tax bill/social security record/other income certificate.
4. Use certificate Note: It can be postponed until the loan is issued: car purchase contract/agreement; Down payment invoice/receipt
Extended data:
processing method
1. If you are a private bank customer, diamond card customer, sunflower customer or platinum card customer of China Merchants Bank, or an employee of government agencies or administrative institutions such as civil servants, teachers and doctors, as well as other high-quality customers recognized by China Merchants Bank, you can apply for a one-time payment discount for house purchase, and you can apply for a "direct customer" process-you can use bank loans, enjoy a one-time payment discount and enjoy interest rate concessions.
2. Call the account manager of China Merchants Bank.
3. Go to the nearest outlet of China Merchants Bank.
4. Call the national unified service hotline 95555.