Brush loan is an inclusive online personal credit loan product independently launched by Ningxia Bank. No guarantee, no mortgage, the maximum credit line is 500 thousand, and the annual interest rate is as low as 6%. To apply for a loan online, it is not necessary to provide paper materials. As long as the applicant is 22-60 years old (female is no more than 55 years old), he can apply with his ID card and scan the QR code. Apply for a free credit line.
The bank's credit must be a formal loan. Banks are not like other informal microfinance companies. Moreover, the state also has many preferential policies and measures for bank microfinance. 2065438+On September 6, 2008, the Ministry of Finance of China and State Taxation Administration of The People's Republic of China issued a notice, clarifying that the interest income obtained by financial institutions in granting small loans to small enterprises, micro-enterprises and individual industrial and commercial households is exempt from VAT.
About Ningxia Bank
1. Ningxia Bank On February 28th, 2007, with the approval of China Banking Regulatory Commission, Yinchuan City Commercial Bank Co., Ltd. was officially renamed as Ningxia Bank Co., Ltd. and listed, referred to as Ningxia Bank for short. Its predecessor, Yinchuan City Commercial Bank Co., Ltd., was established on1October 28th, 1998, and it is the only joint-stock commercial bank in Ningxia. It is controlled by the autonomous region and Yinchuan City, and consists of state-owned shares, China legal person shares and many individual shares. The birth of the first "Ning" local commercial bank in Ningxia indicates that the reform and development of local finance in Ningxia has entered a brand-new historical stage.
2. At present, there are more than 2,250 employees in Ningxia Bank, of which 80% have bachelor degree or above, 24% have senior technical titles, and the average age of employees is 32.4 years old. The bank has 44 branches in Ningxia, including 39 sub-branches, 1 business department and 1 small business credit center, with business outlets all over the economically developed cities and counties in the region and financial services covering the whole of Ningxia. By constantly improving corporate governance, strengthening internal control, expanding the market, strengthening basic management and improving asset quality, Ningxia Bank has made great progress in various businesses. By the end of 20 1 1, the bank's total assets were 56 billion yuan, the balance of various deposits was 47.3 billion yuan, and the balance of various loans was 30.5 billion yuan, which were 83 times, 1 10 times and 98 times that of its establishment, respectively. The capital adequacy ratio is 13.38%, and the core capital adequacy ratio is12.53%; The non-performing loan ratio is 0.85%; 20 1 1, calculated as advance profit1490 million yuan.