China Merchants Bank. According to the information of China Merchants Bank in official website, Jiaozuo China Merchants Bank can apply for personal loans. China Merchants Bank's small loans are mainly divided into two categories: small pledge loans and small credit loans. For different types of small loans of China Merchants Bank, the application conditions and handling methods are naturally different. China Merchants Bank's small loans do not need mortgage guarantee, the application conditions are relaxed, the lending time is faster and the procedures are convenient.