2. Good credit and the ability to repay the loan principal and interest on schedule;
3. If the guarantee method is adopted, it can provide legal and effective pledge, mortgage or guarantee recognized by Industrial Bank;
4. Open a personal settlement account in Industrial Bank and handle the settlement business through the natural life wealth management card;
5. Other conditions stipulated by Industrial Bank.
Industrial Bank's financial business
Including investment banking, trade finance, cash management, green finance, small businesses and institutional businesses, actively build a professional management system for industrial finance, and successively set up industrial financial centers such as automobiles, energy and metallurgy to promote professional management.
Investment Bank: A complete product system has been established, including non-financial corporate debt financing instruments, financial corporate bonds, direct financing instruments for wealth management, M&A loans and syndicated loans. Over the years, the amount of lead underwriting and the number of entrepreneurs have continued to lead the market.
Trade Finance: Adhering to the development concept of "integrating the supply chain and prospering for a hundred years", the professional team will provide customers with comprehensive financial services covering the whole process of domestic and foreign trade in combination with the transaction characteristics of enterprises' procurement, production and sales, tailor-made personalized comprehensive financial service solutions, and help supply chain member enterprises achieve a win-win situation through comprehensive products such as local and foreign currency trade financing settlement and cash management.
Cash management: to meet the cash flow management needs of corporate financial customers, we provide professional financial services, covering five categories: account management, receipt and payment management, liquidity management, investment and financing management and risk management, including cash pool, bill pool, trading market (including bidding market), e-government, wealth management on behalf of customers, innovative deposits and other Internet financial services. , involving the whole process of fund collection and scheduling, payment and settlement, storage and application of corporate financial customers, and according to customer needs.
Green finance: established a professional management system of green finance covering the head office and branches; Gradually form a multi-level and all-round green financial product and service system; Green finance business covers three major areas: low-carbon economy, circular economy and ecological economy. Focus on supporting key energy-saving and environmental protection projects in the fields of water resources utilization and protection, resource recycling, urban energy and environmental infrastructure, environmental governance, and energy-saving and environmental protection industrial chain; Fully support the construction of domestic emission trading market, carry out comprehensive cooperation with carbon trading pilot areas and emission trading pilot areas in many countries, and provide a package of financial services including trading structure, system design, fund depository and liquidation for local emission trading.
Small enterprises: customer orientation, which actively adjusts small enterprises, changes from "small and medium-sized enterprises" to "small and micro enterprises". Focusing on the "six exclusive mechanisms" such as exclusive organizational system, exclusive technology, exclusive business process, exclusive product sequence, exclusive incentive and restraint mechanism and exclusive resource allocation of small and micro enterprises, we will further promote the construction of specialized management system for small and micro enterprises. Establish a three-level organization and management system consisting of the small business department of the head office, the small business department of branches and the small business center of the city; Establish a professional service team composed of more than 300 small business franchise teams and operating agencies all over the country; Explore and design a set of business processes and risk management model dedicated to small and micro enterprises, improve the availability of small and micro loans and business handling efficiency, and reduce the capital cost and time cost of financing for small and micro enterprises.
Institutional business: comprehensive financial services provided to government agencies, institutions and non-enterprise associations through scientific and technological innovation based on their own network and financial management experience.