After the credit card is approved, it needs to go through the processes of entry, business card printing and mailing before it can reach the applicant.
CCB credit card review process:
First, the applicant information entry
1. CCB will scan and generate a picture file immediately after receiving the applicant's application materials. Subsequently, according to different areas of the application form, it is automatically divided into smaller picture files, and each small picture only contains one content filled in by the applicant. Each staff member can only be responsible for entering one item. For example, the staff who enter the ID number can only see the ID number, and the information entered directly enters the electronic audit system of the bank, thus ensuring that the applicant's information will not be leaked.
2. Each small picture will be entered twice by two different staff members. If the content entered twice is the same, it will enter the system. If the two inputs are different, the thumbnail will be identified by a third person to ensure the accuracy of the input information.
3. When all the contents of the credit card application form are entered, a complete electronic application form is formed and enters the review process.
Second, the preliminary audit
1. In this audit process, there are two steps: electronic audit and manual audit. The electronic system will first evaluate the integrity of the information in the application form, and then judge whether the applicant meets the hard requirements such as age and income with the personal information on the application form, and will automatically query the applicant's credit status in the personal credit information system as a reference.
After the preliminary electronic screening, the form will enter the manual review stage. Staff grab work orders in the work order pool and handle them according to their own functions and authority.
2. The staff will reconfirm whether there are any omissions in the application form, whether the signature meets the requirements and whether the ID card is clear. , and then review the submission channels of the application form to determine the authenticity of the information in the application form.
3. After the credit card application forms pass the manual preliminary examination, the system will determine the classification of the application forms according to the parameters generated in the preliminary examination, so as to determine which level of approval process these application forms need to go through. When the user's qualification meets the requirements, the initial process of credit card approval is passed.
Third, further review.
1. CCB will analyze the historical data of the applicants according to the principles of mathematical statistics and manual experience, and comprehensively evaluate and rank the applicants. Decide whether to give the applicant a card and how much.
2. When there is ambiguity between approval and disapproval in the system, manual approval will be returned again, and the final result will be decided by the most experienced approver in the bank.
note:
It usually takes 1-2 weeks to complete the whole review process. Whether the application can be successful depends mainly on the applicant's personal qualifications.
Extended data:
China Construction Bank (CCB) was established in June 1954 65438+ 10/. The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and one of the four largest banks in China. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches in Hongkong, Taiwan Province Province and Melbourne, and subsidiaries such as CCB Fund, CCB Leasing, CCB Trust, CCB Life Insurance, Sino-German Housing Savings Bank, CCB Asia, CCB London, CCB Russia, CCB Dubai and CCB International, which provide comprehensive financial services to customers.
China Construction Bank has a broad customer base, maintains banking contacts with many large enterprise groups and leading enterprises in China's economic and strategic industries, and its marketing network covers major regions of the country.
20 13 At the end of June, the market value of China Construction Bank was176.7 billion US dollars, ranking fifth among listed banks in the world. 20 16 On June 30th, the British Banker magazine published the ranking of 1000 big banks in the world, and China Construction Bank ranked second. 20 16 On July 20th, Fortune released the latest issue of the list of the world's top 500, and China Construction Bank ranked 22nd. In August of 20 16, China Construction Bank ranked 5th among the top 500 Chinese enterprises in 20 16. On February 20 17, brand finance released the list of the top 500 global brands in 20 17, and China Construction Bank ranked 14. 20 17 On July 20th, Fortune released the latest list of the world's top 500, and China Construction Bank ranked 28th.
China Construction Bank has overseas branches in Hong Kong, China, Singapore, Germany (Frankfurt), South Africa (Johannesburg), Japan (Tokyo, Osaka), South Korea (Seoul), the United States (new york), Vietnam (Ho Chi Minh City), Australia (Sydney, Melbourne), Luxembourg, Taiwan Province Province of China (Taipei), Hong Kong, China and the United Kingdom (London).
References:
China construction bank