Online loan is to apply for a loan online. A bank loan is a loan applied at the bank counter.

2. Which foreign banks are established in China?

There are hundreds of foreign banks in China, including Standard Chartered Bank (UK), Citibank (USA), DBS Bank (Singapore), OCBC Bank (Singapore), Royal Bank of Scotland (UK), Bank of America (USA), Mizuho Bank (Japan), North German Bank (Germany), BNP Paribas (France) and Credit Suisse Oriental (France).

The business scope of foreign banks varies according to the laws and management systems of banks in different countries. Some countries restrict the business scope of foreign banks in order to stabilize their currencies; Some countries treat the business management of foreign banks equally with domestic banks.

It mainly relies on its understanding of the international financial market and extensive international outlets to provide loans to domestic enterprises and multinational companies in other countries to support their outward expansion and direct investment. Some foreign banks are founded by banks in one country, and some are invested by banks in several countries.

1, the four most common foreign banks

Citibank, Standard Chartered Bank, HSBC, Bank of East Asia. These foreign banks have set up credit card business in Chinese mainland. Compared with Chinese banks, foreign banks have fewer types of credit cards, but different consumers can also apply for credit cards that suit their own needs. For example, the first credit cards of HSBC China are divided into three categories, which are for people who like life, travelers and HSBC Premier customers, and they have brought rich rights and interests in the fields of tourism, shopping, food, entertainment and leisure.

2. The credit card threshold of foreign banks is very high.

Citibank's exclusive card target audience is a high-end elite group with a monthly salary of more than 30 thousand yuan before tax. The supporting services of the products are also very rich, including providing cardholders with various preferential rights and interests, and providing cardholders with consulting and booking services related to travel and life at home and abroad according to customer needs. Standard Chartered Bank (China)' s Authentic Series Cards and Authentic Series Cards are also geared to high-end business travelers and consumers.

3. What's the difference between Australian banks and small companies?

The interest paid is different, and the service is different. The main difference is: 1, for different groups of people: compared with banks, companies are more convenient and quick, suitable for the capital needs of small and medium-sized enterprises and individual industrial and commercial households. 2. The difference of liquidated damages: the company's customers can easily repay or refinance within a predetermined limit without paying liquidated damages! This is the best choice for customers who often need extra cash and customers who need flexible repayment and cash withdrawal at any time. Bank overdue payment penalty refers to the penalty agreed by both parties to pay to the other party when one party fails to fulfill its payment obligations on time. 3. Different loan interest rates: the benchmark of loan interest rates of microfinance companies is determined independently according to market principles; Upper limit-let go, but not more than 4 times the bank loan interest rate in the same period; Lower limit-0.9 times the benchmark loan interest rate announced by the People's Bank of China. In China, housing loans are generally issued by banks. Australia's financial markets are very different. In addition to banks, there are many other financial institutions in Australia, that is, non-banklender, who have the authority to issue loans. The sources of funds for these institutions are not banks or savings, but funds raised through funds and trusts, such as pensions. China customers tend to choose banks, while a considerable number of Australians have strong resistance to banks. For lenders, more attention should be paid to products rather than institutions. The key is which financial product is more suitable for your own needs, not which institution is more famous.

4. Why doesn't Westpac Australia Branch lend money to foreigners?

Just adjusted the policy, all Australian banks will not lend to foreigners without Australian income.

If you don't have Australian citizenship, but you are in Australia