Ping An Bank max is a pure online personal credit loan product operated by Ping An Bank. Simply put, it is an online loan product launched by Ping An Bank. Online application, online loan and online repayment do not need to be operated at the counter of Ping An Bank outlets. Max Loan is a cash loan product carried by Ping An Bank's digital account (MAX) and provided by Ping An Smart Loan. The loan can be repaid as you borrow, with no penalty, and the longest repayment period is 12 months, so as to provide intimate lending services for our customers.

Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks. The registered capital is 565,438 yuan+23.35 million yuan and the total assets are nearly 65,438 yuan +0.37 trillion yuan. Its headquarters is located in Shenzhen, Guangdong Province.

China Ping An Insurance (Group) Co., Ltd. (hereinafter referred to as "China Ping An") and its holding subsidiaries hold about 2.684 billion shares of Ping An Bank, accounting for about 52.38%, and are the controlling shareholders of Ping An Bank. There are 34 branches in China and representative offices in Hongkong.

20 12, 1, Shenzhen Development Bank, the predecessor of Ping An Bank, acquired Shenzhen Ping An Bank, a subsidiary of Ping An Insurance Group. After the acquisition, SDB changed its name to New Ping An Bank, which officially opened. 2065438+On June 26th, 2009, eight banks including Ping An Bank launched the first batch of enterprise information networking verification systems.

Products and services:

Retail business:

In terms of retail business, Ping An Bank of Shenzhen took the lead in launching a composite electronic debit card integrating ic chip and magnetic stripe in China, and took the lead in launching a dual-currency international debit card. In August, 2007, Jixiang Debit Card, a comprehensive service product integrating deposit and withdrawal, POS consumption, payroll payment, online payment and wealth management, was grandly launched. Shenzhen Ping An Bank has also launched special service products such as Express, Express Rail and Hong Kong Stock Connect. In addition, following the launch of Yingfeng series of wealth management products, Ping An Bank launched a brand-new wealth management service brand "An Ying Wealth Management" for high-end individual customers, so that the bank's VIP customers can enjoy all-round wealth management value-added services with peace of mind.

Credit card business:

In terms of credit card business, Shenzhen Ping An Bank attaches great importance to credit card business. On May 2, 2007, KLOC-0, jointly launched "China Ping An Wanlitong Co-branded Credit Card" with China Ping An Group. In August 2007, "Ping An" credit card was launched. Shenzhen Ping An Bank is committed to building a "Ping An" credit card, providing cardholders with all-round security protection of "consumer safety, home safety and travel safety", so that cardholders can feel "one card accompanied by peace" anytime and anywhere.

Company business:

In terms of corporate business, Ping An Bank of Shenzhen aims to provide high-quality and efficient services for SMEs, and strives to build a financial brand for SMEs. With professional teams, professional products, professional services and professional management, it has carried out a number of innovations in the business field of SMEs. Through in-depth market research, formulate flexible credit policies that meet market demand, continuously simplify business processes and improve approval efficiency; By effectively integrating business outlets, online banking, telephone banking and other diversified service platforms, we will broaden the financial service channels for small and medium-sized enterprises, help China customers solve financing problems, improve the efficiency of capital use, and provide a package of comprehensive financial services with the help of China Ping An Group's resource advantages to create maximum value for customers.

International business:

In terms of international business, Ping An Bank of Shenzhen has launched dozens of new varieties of international business, such as Forfaiting, risk sharing and issuing letters of credit on behalf of others, and has developed nearly 500 correspondent banks around the world. As a primary dealer in the open market of the People's Bank of China, the trading volume of local and foreign currency money markets and bond markets has doubled year after year, ranking among the top 20 clearing member banks in the national inter-bank bond market, and has been rated as an excellent transaction settlement unit for many times.

Basic platform:

As for the basic platform, as a bank with the service tenet of "professionalism, value and innovation", Shenzhen Ping An Bank innovatively developed the first centralized large-capacity AS/400 integrated business system in Shenzhen, and took the lead in launching the integrated customer relationship and credit business management system, realizing the electronic management of the whole process of credit business. "18 banking network" has reached the advanced level of domestic online banking, and mobile phone dynamic password authentication; Dynamic token authentication; The risk control mechanism of corporate banks is the first in the industry. The "Shenzhen University Campus Card" innovatively launched with Shenzhen University integrates financial functions and campus functions, creating a number of domestic firsts and greatly improving the level of campus management.

Unsecured loan:

In terms of unsecured loans, Ping An Bank launched the "New One Loan" unsecured personal loan business, which is aimed at working-class and private owners and can be used for business or personal consumption (including car purchase, decoration and large consumption). ), the maximum loan is 500,000.

The difference between Ping An's new loan and the largest loan.

The difference between Ping An Xinyi Loan and max Loan is as follows:

1. Ping An's largest loan is a personal credit loan operated by Ping An Bank. Lenders in need can apply online. If the lender's qualifications and credit information meet the requirements of Ping An Bank, you can apply for a loan, which is relatively uncomplicated. As a credit loan, when applying for Ping An max loan, the platform will pay close attention to the lender's credit record. If the lender's credit report is tainted, it is likely that the platform will refuse the loan. After the next repayment, in order to maintain the credit information, it is necessary to repay in time.

2. Ping An New Generation is a pure credit unsecured loan product, mainly aimed at people with sustained wage income. Eligible lenders with spotless credit reports can apply for loans, and the loan amount varies according to the system qualification. After applying for a credit loan, the lender needs to repay the loan in time to avoid the impact on personal credit information due to overdue. Once the record of non-performing loans is left, it is very difficult for lenders to apply for loans in the future, and they belong to high-risk groups.

Max, is it reliable?

Ping An MAX is more reliable. Ping An MAX is a product of Ping An Bank and a formal lending platform. Customers applying for MAX loan need to have good credit information or reputation. Compared with bank loans, the application conditions are relatively simple, and the application amount is relatively high. After approval, it can basically arrive on the same day.

First, Ping An MAX borrowed money

Ping An Bank MAX is a pure online personal credit loan product operated by Ping An Bank. In fact, MAX does not belong to the ranks of new products, because the previous Ping An account also had an open application portal. Similar to the previous Ping An smart loan, but the operator borrowed by MAX is Ping An Bank, including the application portal borrowed by MAX in mobile and package payment. The information provided at the time of application is also relatively simple, providing personal identity authentication and face recognition, and then providing basic personal information. The age range of open application is 22-55 years old. MAX's qualification requirements for applicants' credit information are really high. Users with poor credit information can be ignored. It is best for users who have previously approved Ping An Dai settlement or users who have frequent financial contacts with Ping An Bank to apply.

Two. Ping an credit card business

Spiritual cash refers to the credit card holders of Ping An Bank (only the main card holders can apply, but the deputy card holders cannot apply). In order to meet their own consumption needs, they overdraw cash in full or in a certain proportion under the credit line of Ping An Credit Card, and repay the principal and a certain amount of handling fees in installments.

Premium business refers to the business in which the credit card holder who has obtained the credit line transfers the whole amount or a certain proportion to his debit card with the same name within the cash installment limit of Ping An Bank's exclusive credit card through the application channel of Ping An Bank's credit card business, and repays the principal and a certain amount of handling fee in installments to meet his own consumption needs.

To sum up, Ping An MAX is a reliable loan. If you don't repay on time, it will affect your personal credit, so you should consider whether you have the repayment ability before lending.