What loans can CCB handle in a single window?
The single window of CCB mainly serves international cross-border finance. Under normal circumstances, the borrower's business needs foreign exchange and cross-border remittance. Before, I used a single window of CCB.
There are not many types of loan products supported by CCB's single window. Cross-border fast loans, tax refund loans, cross-border unsecured loans and other loans are all specifically for some small and micro foreign trade enterprises. It is impossible for a borrower to apply for a single window loan from CCB in his own name.
In addition to applying for loans, CCB's single window also supports cross-border collection and payment of foreign exchange, settlement and sale of foreign exchange, trade financing, credit insurance and freight insurance.
Why don't banks generally approve average capital?
When people apply for a loan, the bank will review the borrower's information, and one of the principled indicators is called the income-debt ratio. This ratio cannot exceed 50%. Once it exceeds 50%, it shows that the borrower's repayment ability is not so strong. And just the average capital requires the borrower to have strong economic strength and be able to support the high repayment amount in the previous period.
Therefore, many borrowers can't apply for repayment with average capital when the income-liability ratio is not up to standard.
The above is the related content sharing of "What loans can CCB handle in a single window", hoping to help everyone!