For a long time, Zhumadian Bank has adhered to the concept of "scientific development and steady operation", supported by the corporate culture spirit of "tolerance and virtue, self-improvement, Excellence and innovative development", highlighted the service orientation of "government bank, citizen bank and small and medium-sized enterprise bank", and made great efforts to govern, forge ahead and develop scientifically. It has achieved the development goals of great system transformation, great business development, great service improvement, great benefit improvement and great image improvement, and achieved impressive results. It has successively won the honorary titles of "China Characteristic Brand Bank for Serving Small and Medium-sized Enterprises", "Most Characteristic Small and Medium-sized Bank in 20 10", "Advanced Unit for Financial Support of Economic Development", "Advanced Unit for Supporting Project Construction" and "Advanced Unit for Fixed-point Assistance".
Based on a new starting point, planning new development. Focusing on the development strategy of "basing on Zhumadian, radiating Henan and facing the whole country", Zhumadian Bank adheres to the development goal of "Excellence, perfection and beauty", deepens reform, promotes innovation and accelerates development, and strives to develop Zhumadian Bank into a modern boutique bank with excellent assets, strict internal control, excellent service, good benefits and wide influence, and repay the land with more brilliant achievements to create a beautiful and magnificent tomorrow.
market positioning
Government banks, citizen banks and small and medium-sized enterprises banks
corporate culture
Company vision: to build an outstanding century-old financial brand.
Corporate mission: to help business and benefit the people, and to love the sky.
Core values: loyalty, loyalty, diligence, honesty and wisdom.
Enterprise spirit: tolerance and virtue, dedication and pragmatism, learning and innovation, self-improvement.
Management concept: compliance, high efficiency and steady progress.
Development concept: sincerity-oriented, sensitivity first, harmony for the distance.
Marketing concept: True feelings last forever, and success is coming.
Service concept: sincerity, care and dedication.
Zhumadian Bank Personal Comprehensive Consumer Loan Agency: Zhumadian Bank Agency Type: Microfinance Bank Loan Type: Mortgage Loan Repayment Method: Loan Maturity Amount: 65,438+0.00-300,000 Suitable Area: Zhumadian City Loan Currency: RMB Suitable for People: Other Occupations, Employees of State-owned Enterprises, Civil Servants, Lawyers and Teachers Loan Interest Rate: 0.60%-0.70% Loan Term: 65
2. loans are widely used.
3. Various ways of guarantee, with valid identification and fixed residence within the jurisdiction;
Two, with a good credit record and willingness to repay, a stable source of income and the ability to repay the loan principal and interest in full and on time;
Three, there is a clear purpose of the loan, and the purpose of the loan is in line with the relevant provisions;
4. It can provide effective guarantee recognized by the bank. 1. The loan amount is determined by the bank according to the borrower's credit status and the guarantee provided;
Two, the longest loan period is generally not more than 3 years;
Three. The loan interest rate shall be subject to the fixed interest rate of the People's Bank of China at the same period and at the same level, and the floating range shall be implemented according to the relevant regulations of the People's Bank of China;
Four, personal comprehensive consumer loans can choose matching principal and interest repayment, matching principal repayment, timely interest repayment and other ways.
Zhumadian Bank's personal business loan handling institution: Zhumadian Bank's handling type: microfinance bank loan type: mortgage loan repayment method: loan amount due for repayment: 1.00- 1.00 million Applicable area: Zhumadian loan currency: RMB applicable people: enterprise legal person, individual industrial and commercial households loan interest rate: 0.60%-0.70% loan term:/kl.
2. High line: the loan amount is approved according to the borrower's repayment ability and the value of collateral (pledge), and there is no upper limit to meet the needs of operating capital turnover;
3. Flexible guarantee: you can choose a variety of guarantee methods such as mortgage, pledge and guarantee; 1. 18 years old and under 60 years old, with full capacity for civil conduct, legal and valid identity documents, permanent residence in the local area, and good conduct;
Two, personal credit status is good, with a stable source of income and the ability to repay the loan principal and interest in full and on time;
Three, individuals with the qualification of business entities, including individual industrial and commercial households, private enterprise operators and natural person shareholders;
Four, hold a valid business license, tax registration certificate or tax payment certificate, engaged in special industries should hold a special industry business license issued by the competent examination and approval department, business premises in the service area of the loan bank;
Five, the purpose of the loan is clear and legal;
Six, the project or product has good benefits and business prospects, and the cash flow is stable;
7. It can provide legal, effective and sufficient guarantees recognized by the bank. 1. Legal identity certificate of the borrower;
Two, the borrower's economic income certificate or occupation certificate or personal assets certificate;
3. Annual business license, tax registration certificate, articles of association or partnership agreement and capital verification report;
Four, the financial statements of the past two years, which can reflect the details of the bank settlement account in the past year (if any);
Five, in line with the business scope of the loan use certificate (such as the purchase contract, etc.). );
6. Other documents or materials required by the bank.