1 applicant 18 years old or above, with good personal credit information and no overdue conditions. Applicants must have full capacity for civil conduct.
The applicant has no other outstanding loans in CCB, and has also opened a savings card settlement account, and also holds personal financial assets of CCB.
The registered capital of small and micro enterprises and individual industrial and commercial companies with business license 1 year or above and actual operation 1 year or above shall not exceed 50 million.
4. The enterprise has paid taxes in good faith in the past 24 months, and there is no serious dishonesty recognized by the tax authorities according to law. In the past 12 months, the accumulated tax payment was more than 30,000 yuan (inclusive).
China Construction Bank does not have tax loans, but has tax loans. The Construction Bank of Tax Easy Loan provides small and micro enterprises with recyclable RMB credit loans for short-term production and operation turnover on time and in full.
"Tax to loan" has the following characteristics:
1. Design concept based on big data products. Fully analyze the tax payment data of enterprises, and judge the business ability and credit level of enterprises through cross-validation of information.
2. Adopt differentiated loan quota design. According to different regions, taxes, customers' tax credit rating, and the opening of basic settlement accounts and tax accounts in our bank, different upper limits are set.
3. Conduct mass marketing.
Through cooperation with tax authorities, we can obtain tax information of small and micro enterprises in batches, or conduct batch screening and precise marketing of small and micro enterprises that have opened tax accounts in our bank. At the same time, use the credit business process of small and micro enterprises to improve operational efficiency.
By the end of 20 1 1, 1, there were13,581domestic business institutions, including the head office, 38 tier-one branches, 304 tier-two branches, 8,835 branches, 4,402 branches and The regional layout is concentrated in megacities, central cities, strong counties and rich towns. There are overseas institutions in 13 countries and regions, 9 overseas branches in Hong Kong, Singapore, Frankfurt, Johannesburg, Tokyo, Seoul, new york, Ho Chi Minh City and Sydney, 2 representative offices in Taipei and Moscow, 2 subsidiaries in London and Hong Kong, and 1 investment bank subsidiary in Hong Kong. It owns five domestic subsidiaries: CCB Fund, CCB Leasing, CCB Trust, Sino-German Housing Savings Bank and CCB Life Insurance. There are about 329,000 full-time employees.