1. Never neglect, contradict or make things difficult for customers;
2. Do not deliberately shirk, delay or reject the customer's business application;
3. Don't abuse power for personal gain, and don't ask customers for anything other than work;
4. Do not ask for or accept any form of banquets, gifts, gifts, etc. from customers;
5. It is not allowed to disclose important information such as customer operation, loan and account without permission;
6. It is not allowed to sign on behalf of the customer or go through the loan formalities on behalf of the customer in violation of regulations;
7. It is forbidden to promise unapproved loans to customers;
8. Do not sign any agreement or contract with customers privately.
Postal Bank loan program:
Postal Savings Bank loan business is a loan product launched by China Postal Savings Bank for individual industrial and commercial households, shareholders of limited companies and sole proprietorship entrepreneurs. Including small loans and personal business loans.
1. Handling process
The borrower only needs to form a joint guarantee team or find a guarantor (official employees of state enterprises and institutions), and bring the ID card, household registration book and marriage certificate of both husband and wife of the borrower (unmarried proof materials are required). If the merchant is unmarried, he also needs to bring his business license, tax registration certificate and store lease contract, and submit an application to the outlet where the small loan is set up, accept the investigation, pass the examination and approval, and get it after signing the contract.
2. repayment method
1. one-time principal and interest repayment method
2. equal principal and interest repayment method
phased repayment method (only interest is repaid during the grace period, and the loan is repaid by equal principal and interest repayment method after the grace period).
before the maturity date of the loan principal and interest, the borrower needs to deposit enough funds in the postal savings account where the loan is issued, which will be automatically deducted by the computer system.
III. Business Features
This is a new credit business promoted by Postal Savings Bank. It does not need any mortgage or pledge, and the procedures are simple, which fully meets the needs of farmers and small business owners for small and short-term liquidity. As of October, 21, it has set up business in some areas of 29 provinces and cities in China, and gradually promoted it to more areas throughout the country, so as to better provide high-quality financial services for farmers, self-employed operators and small business owners.