The term of current savings deposit is flexible, and customers can deposit and withdraw money at any time. The interest shall be settled quarterly and incorporated into the principal.
Regular savings
Fixed deposit in lump sum and withdrawal
Time savings deposit refers to a kind of savings with agreed term, lump-sum deposit and withdrawal, and one-time withdrawal of principal and interest at maturity; According to the term of deposit, it can be divided into three months, six months, one year, two years, three years, five years and other terms, and the interest rate varies according to the length of the term.
Installment time deposit
Time savings deposit is a kind of savings deposit in which customers deposit the agreed amount every month, withdraw the principal and interest once at maturity, and withdraw it in lump sum; According to the storage period, it can be divided into one year, three years and five years. On the eve of the Spring Festival, Bank of Beijing issued the first zodiac-themed credit cards-Golden Horse Platinum Card and Vaulting Horse Gold Card, and a "full-featured" car-themed credit card-Le Jia Card.
Zodiac theme credit card-Year of the Horse Zodiac card in terms of product design, the card surface is based on the paintings and calligraphy works of the famous China painter Mo Tao, which combines the traditional cultural concept of China with the modern fashion sense, highlights the blessing of the Year of the Horse, welcomes the new year and bravely steeds, and has collection value; In terms of product functions, the Year of the Horse Zodiac card creates value-added services such as catering, department stores, accommodation, etc. The Golden Horse Platinum Card can also enjoy aviation insurance, travel insurance gifts, and platinum privileges such as road rescue, drunk driving, airport transfer, and car rental. At the same time, you can get a set of commemorative cards for the Year of the Horse by activating the first brush.
main products
Bank of Beijing short loan treasure
Product introduction:
This kind of loan is a loan product promoted by Bank of Beijing in Shenzhen, mainly for local enterprises in Shenzhen. Applicants need to provide Beijing local real estate as collateral. The maximum loan amount of this loan is 6,543,800,000 yuan, and the minimum loan amount is 6,543,800,000 yuan. The longest loan period is 60 months, and repayment cannot be made in advance.
Product advantages: the maximum loan amount can reach 654.38+million, and the maximum mortgage ratio can reach 70%. Based on the minimum loan interest rate, the annual interest rate will rise by 20%. The loan period can be up to 5 years. Loan terms:
1. Operating years: 1 year or more;
2. Place of registration: local;
3. Age requirement: no more than 20 years old;
4. Location of collateral: Shenzhen;
5. Property of collateral: ordinary houses, villas, shops and office buildings;
6. Loan term: The sum of the loan term and the customer's age shall not exceed 65 years old.
Application materials:
1, original ID card, marriage certificate and household registration book and their copies;
2. Personal bank accounts in the past six months. Or the assets certification materials, bank statements and tax bills of the enterprises you own or control;
3. The original proof of the ownership of the collateral.
4. Other financial proof materials you can provide, such as stocks, time deposits, wealth management products, insurance policies, automobiles, etc. ;
5. Liabilities under the name, such as a copy of the mortgaged real estate license. 1997, Bank of Beijing began to handle foreign exchange business;
During the period of 1998, Bank of Beijing realized universal deposit and withdrawal of savings business;
1999, the People's Bank of China officially approved the electronic interbank account of Bank of Beijing;
In 2000, Bank of Beijing began to accept, discount and discount bank acceptance bills.
200 1, Bank of Beijing obtained the qualification of customer transaction settlement fund bank;
In 2002, Bank of Beijing was allowed to represent Ping An Insurance Company.
In 2002, Bank of Beijing was allowed to issue bank drafts;
In 2002, Bank of Beijing officially handled the foreign exchange card acquiring business;
In 2003, Bank of Beijing passed the ISO900 1 international standard certification;
In 2003, Bank of Beijing was allowed to open self-operated forward foreign exchange trading business and forward foreign exchange trading business on behalf of customers;
In 2003, Bank of Beijing was allowed to open online banking business and use the online banking system to handle foreign-related income declaration business (for private reasons);
In 2004, Bank of Beijing was allowed to purchase foreign exchange for domestic residents;
In 2004, Bank of Beijing officially launched "Happy Heart" personal financial products;
In 2004, Bank of Beijing launched the Jingka dual-currency international debit card;
In 2004, Bank of Beijing began to sell securities investment funds on a commission basis;
In 2005, Bank of Beijing was allowed to start derivatives trading business;
In 2006, Bank of Beijing was allowed to open forward foreign exchange settlement and sale business to customers;
In 2006, Bank of Beijing was allowed to provide overseas wealth management services on behalf of customers.
Bank of Beijing provides customers with all-round savings and deposit services. When a customer makes a savings deposit at Bank of Beijing, he/she can obtain a special deposit certificate such as passbook or Beijing card, and then he/she can conveniently deposit and withdraw cash with the passbook or card, and can report the loss conveniently.