E-mode loan refers to moving the traditional private lending business to the network platform. E-lending refers to moving the traditional private lending business to the network platform. All processes such as authentication, bookkeeping, clearing and delivery are completed through the network. Borrowers and borrowers can achieve the purpose of borrowing without leaving home. Generally, the amount is not high, there is no guarantee, and it is pure credit lending. Such a platform is a popular intermediary platform in P2P lending in recent years.
What does electronic deposit and loan mean?
It is an electronic system access and loan business.
According to the Administrative Measures for Electronic Banking of Industrial and Commercial Bank of China, electronic banking refers to the counter financial services provided by banks to customers through communication channels or public networks open to the public, as well as the private networks established for specific self-service devices or customers, mainly including online banking, telephone banking, mobile banking, self-service banking and other counter services.
Financial computerization refers to the adoption of modern technical means such as modern communication technology, computer technology and network technology to improve the working efficiency of traditional financial services, reduce operating costs, realize the automation of financial business processing, the informationization of business management and the scientific financial decision-making, so as to provide customers with faster and more convenient services and achieve the purpose of enhancing market competitiveness.
How to withdraw cash after CCB's online banking financing e-loan?
You can't withdraw money, you can only buy it on any domestic e-commerce website, and merchants use POS cards for consumption.
Personal "electronic loan" of China Construction Bank can be purchased on any domestic e-commerce website or merchant POS card.
Loan amount: 5-3 million yuan (inclusive), loan term: up to 60 months, and the annual interest rate of the loan is subject to the actual interest rate at the time of handling.
Personal "e-loan" business of China Construction Bank can be approved online in real time and signed offline (that is, online banking application for approval and loan center application for signing support). If the amount is long, the interest will be paid according to the actual amount and the number of transactions.
Extended data:
"Rong e loan" return rules:
For CCB's "financing e-loan" business line, if the loan term exceeds 1 year or the loan amount exceeds 1 10,000 yuan, it must be repaid according to the equal principal and interest repayment method, the equal principal and interest repayment method or the regular interest repayment method. The repayment date shall be agreed by the management bank.
The personal electronic loan business of China Construction Bank can take the way of borrowing and returning. The loan amount must be settled on the due date.