It is formal and is an app launched by China Construction Bank to serve the public. As a giant state-owned enterprise, CCB is subject to strict supervision. You can trust it and use it with confidence. CCB Life Mobile APP is an online one-stop service platform that integrates several livelihood scenarios such as food, takeout, recharge, taxis, and movie performances. It relies on financial technology to provide online and offline integration for merchants and consumers. The new business and consumption model makes financial services “ubiquitous and meticulous”. Finance has never been a cold numbers game, it also has warmth and feelings. The fireworks in the streets reflect the various aspects of people's livelihood, and also bear witness to China Construction Bank's original intention and mission of caring about people's livelihood and serving the society.
1. Introduction to types of China Construction Bank
Personal housing loan business. Personal housing loan business refers to loans issued by China Construction Bank or China Construction Bank upon entrustment to natural persons who purchase, build, and overhaul various types of houses in cities and towns in mainland China. China Construction Bank's personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trade loan housing loans, that is, second-hand housing loans, personal commercial housing loans, personal housing mortgage loans, etc.) , provident fund personal housing loans and personal housing portfolio loans. Starting October 9, 2014. CCB supports the reasonable housing loan needs of households. For households purchasing their first home with a loan, the minimum down payment ratio is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark loan interest rate. It is determined based on factors such as the borrower's home purchase situation, credit record, and repayment ability.
Credit card business. China Construction Bank, as one of the earliest state-owned banks in China to be involved in issuing credit cards, already has many credit card types. The credit cards issued by China Construction Bank are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Master Cup) Tennis Card.
Silver Star International Express. CCB Silver Star International Quick Remittance Service is a personal international quick remittance service jointly launched by China Construction Bank and Silver Star International Quick Remittance Company. It means that CCB pays individual overseas foreign exchange remittances or transfers personal overseas foreign exchange remittances through Silver Star Quick Remittance Company upon entrustment by customers. Small-amount international remittance business of remitting foreign exchange funds overseas.
2. Specialized Businesses and Products
Trade Finance: The branch relies on China Construction Bank’s domestic network, customer resources and the advantages of Chinese banks in Japan to invest in China and have relationships with China Construction Bank. Japanese companies with business dealings and Chinese-funded companies in Japan are the main customers. Based on traditional trade financing services, combined with continuously innovative financial products, we can effectively solve the problem of customers' capital needs. Japanese yen clearing business: The branch gives full play to its location advantages, continuously improves its Japanese yen clearing service functions, and provides customers with better choices in terms of clearing fees and routes.
3. Company Scale
China Construction Bank operates in Hong Kong, Singapore, Germany (Frankfurt), South Africa (Johannesburg), Japan (Tokyo, Osaka), and South Korea (Seoul) outside the mainland. ), the United States (New York), Vietnam (Ho Chi Minh City), Australia (Sydney, Melbourne), Luxembourg, and Taiwan (Taipei) have overseas branches in Hong Kong, China, the United Kingdom (London), Russia (Moscow), and the United Arab Emirates (Dubai) , Luxembourg and New Zealand (Auckland) have wholly-owned subsidiaries.