China Everbright Bank (hereinafter referred to as Everbright Bank) was established in August, 1992. It is a national joint-stock commercial bank approved by the People's Bank of China and headquartered in Beijing.
The credit card APP of China Everbright Bank is called Sunshine Life. Through this APP, cardholders can enjoy all kinds of convenient and fast credit card services, such as line inquiry and management, points, quick repayment, installment service, handling new cards, checking bills, setting transaction limits and so on.
Part of the business introduction
I. Working capital loans
(1) business introduction
Refers to the local and foreign currency loans issued by China Everbright Bank to enterprises (institutions) or other organizations that can be used as borrowers as stipulated by the state for the daily production and operation turnover of borrowers.
(2) Business characteristics
The term of working capital loan is flexible, which can meet the borrower's regular and temporary short-term working capital demand in normal production and operation.
(3) Handling procedures
1. The borrower applies for a working capital loan from China Everbright Bank and submits relevant materials required for the loan.
2. China Everbright Bank evaluates the borrower's credit according to the information provided by the borrower, referring to the public information and combining the information obtained from the field investigation, and conducts approval, contract, loan and post-loan management in accordance with the credit management regulations of China Everbright Bank.
Second, fixed assets loans.
(1) business introduction
Fixed assets loans refer to local and foreign currency loans issued by China Everbright Bank to meet the capital needs of fixed assets investment activities of enterprises. Among them, "fixed assets investment" follows the caliber of the national statistical department, including capital construction investment, renovation investment, real estate development investment and other fixed assets investment.
(2) Business characteristics
1, fixed assets loans generally have a long term, mostly medium-term or long-term loans and are mostly repaid in installments.
2. In terms of loan guarantee, in addition to providing necessary guarantee, it is generally required to use the newly-added fixed assets of the project as collateral.
(3) Handling procedures
1. The borrower applies for a fixed asset loan from China Everbright Bank and submits relevant materials required for the loan. Fixed assets loans also need to provide the feasibility study report of the project, the approval of the competent department, other funds in place and other supporting conditions to implement the documents.
1. China Everbright Bank evaluates the borrower's credit according to the information provided by the borrower, referring to the public information and combining the information obtained from the field investigation, and conducts approval, contract, loan and post-loan management according to the credit management regulations of China Everbright Bank.