Bank of China provides loan business. There are many kinds of loans at present. For more information, please go to the local branch of China Bank for further consultation.

The above contents are for your reference. Please refer to the actual business regulations.

Can banks handle personal loans?

Banks can handle personal loans. Personal loan means that a single user applies for a loan without the participation of a second person. To apply for a personal loan after marriage, you don't need to check your spouse's credit information or your spouse's signature. Of course, a personal loan is mainly to review the personal credit qualification status. If the personal credit qualification conditions are poor, it will not pass the review.

Personalloans ("personal loans" for short), also known as retail loan business, rose in western countries after World War II and has become an important loan business after decades of development. The main reasons for the rapid development of western retail loans after the war are: first, the competition among financial institutions is becoming increasingly fierce, and the importance of retail business is recognized; Second, after the war, the economic development in the western region was relatively stable, personal income increased, and people were willing to use loans for consumption; Third, the emergence of a large number of credit reporting agencies enables banks to know the credit status of borrowers conveniently and quickly.

China's personal loan has been piloted in Shenzhen, hoping to develop China's financial industry through more channels, multiple directions and diversification.

There are also non-bank professional financial institutions in Beijing that provide professional small personal credit loans, which is the first in the industry, and the wealth management products are constantly improving, and the rates are similar to those of banks that can provide credit loans.

First, the background of the emergence and development of personal loans in China

(a) the personal income of residents has increased substantially, and the savings of residents have increased rapidly;

(2) Revolutionary changes have taken place in residents' consumption structure and lifestyle;

(3) The government has a positive attitude towards personal loans;

(4) It is attractive for banks to obtain personal loans with high risks and high returns;

Second, the present situation and prospect of personal loans in China.

(a) the variety of personal loans is not rich enough to meet the financing needs of individuals with different income levels;

(2) The traditional consumption concept is a big obstacle to the development of personal loans;

(3) The social security system is not perfect, which inhibits people's demand for personal loans;

(4) Failure to establish an effective risk management mechanism;

(5) Lack of external mechanism to help banks control and resolve personal loan risks;

(6) Personal loans have a bright future and a tortuous road.

Can banks lend money?

If you have a card of China Merchants Bank, China Merchants Bank has a lightning loan business. You can log in to the mobile banking APP of China Merchants Bank and click "My → All → Loan" to try to apply or inquire whether you meet the application conditions (whether you can get the quota or not depends on the system evaluation results).

Basic conditions for lightning loan application:

1, with China Merchants Bank card;

2. The age of the lender is generally between 23 and 60 years old, and the age plus the loan period is generally not more than 60 years old;

3, have the ability to repay the loan on time, no illegal behavior, good credit.

Tips:

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 200,000, which is subject to the loan page. The minimum amount of a single withdrawal is 1000, and the maximum amount does not exceed the limit, and it must be an integer multiple of 100.

3. There are two ways to apply for a loan within the lightning loan limit:

(1)15min lending: automatic lending within 5 5- 10/0min, and lending immediately after lending is approved, with SMS notification.

(2) Lending on t 1 day: verify by phone within t1day, and arrange lending after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

4. When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.