The repayment manager product of China Bank refers to establishing the relationship between the loan under the customer's name and the wealth management products held by the customer through the online service agreement, and then automatically redeeming the corresponding share of wealth management products for repayment according to the repayment plan.

Bank of China customers can access "Loan Zone-Repayment Manager" or "Balance Financing-Loan Repayment" through mobile banking, and enter the signing interface. Bank of China Mobile Banking can screen out the loans that can be signed under the customer's name. At present, they are individual housing loans and commercial housing loans. The interface displays the product name, loan account number, repayment date and repayment account number. Bank of China Mobile Banking has screened out fund products that can be signed. At present, only low-risk monetary funds in balance financing are supported, and customers can choose one of them to sign contracts. Customers can choose fixed redemption mode or redemption mode according to the repayment plan. Fixed redemption means that the customer inputs the amount to be redeemed independently every month, and redemption according to the repayment plan means that the system automatically redeems the corresponding fund share according to the monthly repayment amount of the customer. When the funds held by the customer are less than the amount to be redeemed in the current period, all the funds will be redeemed to the repayment card. The redemption amount is recorded in the signed repayment card number and will be automatically deducted from the repayment card number on the loan repayment date. If the customer changes the repayment card number, the funds redeemed by the repayment manager will still be included in the original repayment manager's signing card number. If you need to change the card number signed by the repayment manager, you need to terminate the original contract and sign it again.

Customers can check the implementation of the agreement through the mobile banking of Bank of China, and enter the repayment manager page to check the date, amount and status of each redemption application. Customers can also modify and terminate the contract through Bank of China Mobile Banking.

The repayment management of China Bank can automatically redeem the signed wealth management products into debit cards before each repayment date of housing/commercial housing mortgage, which can solve the worries of customers who have purchased wealth management but forgot to redeem repayment loans, so that customers can get higher wealth management income from current repayment funds.