Mobile banking related business of China Merchants Bank:

1, personal housing loan business

Personal housing loan business includes loans granted by China Construction Bank or the Construction Bank to natural persons who purchase, build and renovate various types of housing in Chinese mainland cities and towns.

CCB's personal housing loan business mainly includes personal housing loans, that is, personal housing loans (including personal first-hand housing loans, personal re-trading loans and second-hand loans), personal commercial housing loans, personal housing mortgage loans, personal housing loans and personal housing portfolio loans.

CCB supports families' reasonable demand for housing loans. 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

China Construction Bank, as the first state-owned bank in China to participate in the issuance of credit cards, has a wide variety of credit cards.

The credit card issued by China Construction Bank is known as "Dragon Card". The types of dragon cards issued are: Dragon Card School Card, Dragon Card Business Card, Dragon Card Truck Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Dragon Card, Mango Travel Dragon Card and Dragon Card (Masters Cup) Tennis Card.

3. Silver Star International Speed Exchange

CCB Silver Star International Express Transfer Service is a personal international remittance service that CCB cooperates with Silver Star International Express Transfer Company. It refers to the small-scale international remittance business in which CCB distributes personal foreign exchange remittances or personal foreign exchange funds through Yinxing Express Transfer Company at the entrustment of customers and remits personal foreign exchange funds abroad. Therefore, China Merchants Bank Mobile Banking cannot send the transfer voucher to others.

Extended information: the role of mobile banking;

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-China Merchants Bank Baidu Encyclopedia-Mobile Banking

Baidu encyclopedia-transfer voucher