Personal Internet Banking Related Business of China Construction Bank:
1. Personal housing loan business?
Personal housing loan business includes loans issued by China Construction Bank or natural persons entrusted by China Construction Bank to purchase, build and overhaul various houses in Chinese mainland towns.
The personal housing loan business of Bank of Communications mainly includes personal account housing loan and personal housing mortgage loan (including personal first-hand housing loan, personal re-trading housing loan, second-hand housing loan, personal commercial housing loan and personal housing mortgage loan, etc. ), provident fund personal housing loans and personal housing portfolio loans.
CCB supports the reasonable housing loan demand of residents' families. For families who purchase the first home by loan, the minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is 0.7 times of the benchmark loan interest rate. According to the borrower's purchase situation, credit history, repayment ability and other factors.
2. Credit card business
As a state-owned bank that set foot in issuing credit cards earlier in China, Bank of Communications has a wide variety of credit cards.
The credit cards issued by China Construction Bank are all named "Longka". The types of dragon cards that have been publicly issued include: Dragon Card School Card, Dragon Card Business Card, Dragon Card Automobile Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Changxing Dragon Card, Mango Travel Dragon Card and Dragon Card (Masters Cup) Tennis Card.
3. Silver Star International Express
Silver Star International Express Remittance Service of Bank of Communications is a personal international express remittance service jointly launched by China Construction Bank and Silver Star International Express Remittance Company. It refers to the small-scale international remittance business that CCB accepts the entrustment of customers and remits personal foreign exchange remittances or personal foreign exchange funds abroad through Yinxing Express Company.
Therefore, CCB credit card cannot set automatic repayment in online banking.
Extended data:
The Role of Online Banking in China Construction Bank;
1, convergence function
The master account guides many scattered small funds to gather into a fund collection function that can be put into social reproduction. Here, the stock market plays the role of "reservoir" of funds. ?
2. Configure functions
The allocation of resources, the general ledger transfers resources from inefficient departments to efficient departments, so that a society's economic resources can be most effectively allocated to the most efficient or effective use, and the rational allocation and effective utilization of scarce resources can be realized. ?
Step 3 Adjust the function
The regulating effect of personal account on macro-economy. The stock market is connected with depositors on one side and investors on the other. The operating mechanism of the stock market plays a role through its influence on savers and investors. ?
Baidu encyclopedia-online banking
Baidu Encyclopedia-China Construction Bank
The Official Website of China Construction Bank-Introduction to Online Banking