I. Corporate credit business includes:
Industrial and commercial enterprise loan business, import and export enterprise loan business, real estate enterprise loan business, overseas fund-raising business.
(1) Loan business of industrial and commercial enterprises:
The loan business of industrial and commercial enterprises refers to the loan business provided by China Bank to domestic industrial and commercial enterprises, and all kinds of industrial and commercial enterprises, including state-owned, collective, foreign-funded and private enterprises, can apply for such loans. The loan term includes short-term loans, medium-term loans and long-term loans. The loan currency can be RMB or foreign exchange. Loan guarantee can take various forms such as guarantee, mortgage and pledge.
Industrial and commercial enterprise loan business mainly includes: industrial and commercial enterprise working capital loan and industrial and commercial enterprise fixed assets loan.
Working capital loans for industrial and commercial enterprises: loans granted to meet the reasonable working capital needs of various industrial and commercial enterprises in their production, operation and circulation activities.
Fixed assets loans for industrial and commercial enterprises: loans granted to meet the needs of various industrial and commercial enterprises for technological transformation and the purchase and construction of fixed assets such as factories, machinery and equipment.
New loan products: China Bank has provided some new loan services for industrial and commercial enterprises with good credit;
Open credit business: China Bank provides customers with one or several types of credit support with conditional commitments (such as loans, acceptance bills, import letters of credit, etc.). ) the form of signing an agreement with customers (i.e. bank-enterprise cooperation agreement or public letter of intent).
Trade financing amount: based on trade, it provides customers with short-term financing under international and domestic trade, which belongs to guaranteed short-term financing.
Revolving line loan: This is a contract with special contents signed by banks and enterprises. If it is assumed that the turnover period is one year, the Bank of China will allow borrowers to borrow at any time within the maximum limit of one year. And after repayment, it can be used according to the contract, that is, it can be used with it, returned after use, borrowed again, borrowed again, and reused within one year.
Buying accounts receivable business: refers to China Bank buying the accounts receivable of borrowing enterprises at the price agreed by both parties, and providing other services other than funds, such as credit analysis and bookkeeping, before the accounts are recovered.
Bill Discount: The holder transfers the bill to the Bank of China, and pays certain interest before the bill expires, so as to obtain cash.
(2) Loan business of import and export enterprises:
The loan business of import and export enterprises refers to all kinds of loan business provided by China Bank to domestic import and export enterprises, and all kinds of import and export enterprises, including state-owned, collective, foreign-funded and private enterprises, can apply for such loans. Usually short-term loans. The loan currency can be RMB or foreign exchange. Loan guarantee can take various forms such as guarantee, mortgage and pledge.
Loans for import and export enterprises include: working capital loans for import and export enterprises and packaged loans for import and export enterprises.
Liquidity loan for import and export enterprises: a loan granted by China Bank to meet the reasonable liquidity demand of import and export enterprises for producing and operating import and export commodities and engaging in transnational service trade activities.
Packaged loan for import and export enterprises: a loan granted by China Bank to help import and export enterprises complete the delivery task on schedule with good quality and quantity after receiving overseas letters of credit. The loan amount usually does not exceed 80% of the letter of credit.
New loan products: China Bank has provided some new loan products for import and export enterprises with good credit:
Open credit business: China Bank provides customers with one or several types of credit support with conditional commitments (such as loans, acceptance bills, import letters of credit, etc.). ) the form of signing an agreement with customers (i.e. bank-enterprise cooperation agreement or public letter of intent).
Trade financing amount: based on trade, it provides customers with short-term financing under international and domestic trade, which belongs to guaranteed short-term financing.
Revolving line loan: This is a contract with special contents signed by banks and enterprises. If it is assumed that the turnover period is one year, the Bank of China will allow borrowers to borrow at any time within the maximum limit of one year. And after repayment, it can be used according to the contract, that is, it can be used with it, returned after use, borrowed again, borrowed again, and reused within one year.
Buying accounts receivable business: refers to China Bank buying the accounts receivable of borrowing enterprises at the price agreed by both parties, and providing other services other than funds, such as credit analysis and bookkeeping, before the accounts are recovered.
Bill discount: refers to the bill holder transferring the bill to the Bank of China and paying certain interest before the bill expires to obtain cash.
(3) Real estate enterprise loan business:
The loan business of real estate enterprises is a loan provided by China Bank to meet the needs of real estate enterprises in the process of developing real estate projects, such as land purchase, construction and decoration.
(4) Overseas fund-raising business:
In order to help domestic enterprises to raise funds overseas, China Bank provides various overseas financing services such as international syndicated loans:
International syndicated loan: led by China Bank or other banks, a number of international banks are organized to provide a large number of long-term loans for a project.
Buyer's credit: loans granted by foreign banks or credit institutions to expand the export of domestic products, enhance international competitiveness, and provide credit to import enterprises to increase exports. China Bank can provide customers with intermediary and lending services for such loans.
Seller's credit: In order to facilitate the capital turnover of exporters, foreign banks provide loans to domestic exporters at preferential interest rates within a certain period of time. Exporters provide the import enterprises with the export credit they have obtained by way of credit sale or installment payment. China Bank can provide customers with intermediary and lending services for such loans.
Government loans: preferential loans provided to China by foreign governments with domestic financial funds. Generally used in domestic infrastructure, basic industries, public facilities, welfare facilities, health, agriculture and other fields. China Bank can provide customers with intermediary and lending services for such loans.
Mixed loans: In order to make their capital goods, technologies and services more competitive in the international market, foreign governments mix government loans (or grants) with buyer's credit (or seller's credit) and provide them to importing enterprises. China Bank can provide customers with intermediary and lending services for such loans.
Overseas commercial loan: refers to the monetary funds borrowed by domestic borrowers from foreign banks in the international financial market to support a construction project or general purpose. China Bank can provide customers with intermediary and lending services for such loans.
Second, the consumer credit business:
(1) Small-sum pledge loan: customers need money urgently because the certificate of deposit is not due. They can take the time deposit certificate issued by China Bank with the amount not less than 10000 yuan as pledge and hand it over to China Bank for safekeeping, so as to obtain a loan with the longest term of 1 year and the highest amount of 100000 yuan.
(II) Personal housing loan: The buyer orders commercial housing from a real estate development enterprise that has signed a cooperation agreement with Bank of China, and after paying a specified proportion of the housing loan, mortgages the purchased property and all its rights and interests to Bank of China, and gives Bank of China the priority of compensation. China Bank provides a loan to pay the difference between the house purchase loan and the loan, and the buyer repays the loan principal and interest in installments according to the loan contract.
(3) Automobile consumption loan: refers to the RMB-guaranteed loan granted by Bank of China to customers who purchase domestic automobiles.
(4) Large loans for durable consumer goods: refers to RMB-guaranteed loans granted by lenders to customers who apply for purchasing household durable consumer goods with a unit price of more than 3,000 yuan (including 3,000 yuan) and a normal service life of more than two years.
New varieties will be introduced in the near future:
1. Personal housing renovation loan: RMB-guaranteed loan issued by China Bank to borrowers who apply for renovation of their own houses.
2. Personal/children's education loan: RMB guaranteed loan applied by China Bank to meet the expenses paid by customers for studying abroad (including studying abroad).
3. New House Package-Portfolio Loan: A comprehensive RMB-guaranteed loan issued by China Bank to meet the capital needs of the same customer in terms of house purchase, decoration and purchase of large-scale durable consumer goods according to specific conditions. Customers can sign a loan contract at one time and withdraw money in batches as needed.
You should pay attention to the following points when handling consumer loans:
1. Individuals applying for consumer loans shall meet the following conditions:
(1) 18-year-old individuals with legal identity documents and full capacity for civil conduct;
(2) compatriots from Hong Kong, Macao and Taiwan, overseas Chinese and foreigners who have invested and worked in our city and have legal residence certificates.
2. When applying for a loan, you need to bring the following documents:
(1) Legal and valid proof of identity (valid proof of residence such as resident ID card and household registration book);
(2) proof of your family's stable economic income;
(3) A letter of intent and agreement on the contract that meets the requirements;
(4) Open a deposit account with China Bank, and the deposit balance accounts for not less than 30% of the total consumption, which will be used as the down payment;
(5) List of collateral or pledge, proof of ownership, and proof that the person with the right of disposition agrees to mortgage and pledge;
(6) Guarantor's commitment document and guarantor's credit certificate.
3. You can apply for individual housing mortgage loan as long as you buy the commercial housing sold by a real estate development company that has established cooperative relationship with China Bank.
4. If you apply for a personal housing loan, you can refer to the tips in the flow chart.
5. Other considerations:
(1) The loan application amount shall not exceed 5-6 times of your family's annual income, and the monthly debt service amount shall not exceed 40%-50% of your family's monthly income, so as to ensure your due quality of life.
(2) All kinds of information and documents you provide to China Bank should be true, legal and objective in form and content. Bank of China will keep your personal data confidential.