Both Agricultural Bank and Postal Savings Bank have small secured loans. If you go to the loan business soon, it is said that the fraud rate is very high!
Second, what company is better for Nanyang personal loan? The key is to be quick. I need it urgently!
Hello!
! If there is no real estate! Or some kind of guarantee?
If in doubt, please ask.
3. Is Nanyang Commercial Bank reliable?
Nanyang Commercial Bank is still very safe. It is a local joint-stock commercial bank approved by the head office of the People's Bank of China. It was jointly initiated by the original shareholders of Nanyang Urban Credit Cooperative, local finance and more than 20 local key enterprises. The registered capital is 65,438+0.1100 million yuan, and the management system of "one-level legal person and two-level operation" is implemented.
Nanyang City Commercial Bank (full name Nanyang City Commercial Bank Co., Ltd.) was established on 1998. It is one of the city commercial banks approved earlier in China and a local joint-stock commercial bank with independent legal personality. The organizational structure of shareholders' meeting, board of directors, board of supervisors and senior management is established, and the business model of "one-level legal person and two-level management" is implemented. It is also the only local joint-stock legal person bank in Nanyang controlled by the municipal government. At present, the registered capital is 240 million yuan, and it has 62 sub-branches and 1 business department with more than 800 employees. Business institutions are mainly distributed in Nanyang City, Xixia County, Xichuan County and Anpeng Town, Tongbai County, Henan Oilfield, with 37 self-service banking facilities. The business scope covers the main areas of commercial banks. After years of development, it has gradually grown into a modern financial enterprise with perfect corporate governance, reasonable network layout, initial formation of business scale, perfect service functions, continuous improvement of benefits, good social image and strong local influence. In recent years, with the support and help of party committees, governments and all walks of life at all levels, Nanyang Commercial Bank has developed rapidly and its benefits have been continuously improved by taking advantage of the strong east wind of local economic development. The main business covers RMB deposits and loans, bank cards, discount of acceptance bills, money market, agency insurance, agency funds, online banking and other banking services. The total number of bank cards issued is 350,000, which has the functions of inter-bank deposit and withdrawal, POS consumption, salary payment and water and electricity payment. The large and small payment systems realize the instant payment of settlement business, and cooperate with Industrial Bank and Bank of Zhengzhou to realize the free "counter connection" of personal deposit and withdrawal business at all outlets. By the end of 20 10 and 10, the Bank's total assets reached 982,654,380+million yuan, total liabilities reached 965,438+0.88 million yuan and net assets reached 633 million yuan; The balance of various deposits was 8 billion yuan, and the balance of various loans was 5.498 billion yuan; Before 10 monthly profit1.1.700 million yuan. Main regulatory indicators: capital adequacy ratio reaches 1 1.98%, non-performing loan ratio 1.28%, and provision coverage ratio 193%.
In the process of business development, Nanyang Commercial Bank has cultivated and supported a large number of local high-quality enterprises and good-quality customer groups, and established two characteristic service platforms: SME loan center and bill business center. The accumulated loans in the first three quarters of 20 10 were 3.58 billion yuan, an increase of 6.543 billion yuan year-on-year. In terms of credit supply, it takes local key enterprises and key projects as the leader, featuring small and medium-sized enterprise loans, automobile consumption loans, personal housing mortgage loans and guaranteed loans for laid-off workers. Reasonable structure and good risk control.
With the development of business and the comprehensive compliance of regulatory indicators, Nanyang Commercial Bank is actively implementing the local financial brand building plan of Nanyang Bank. On the one hand, actively increase capital and shares to introduce strategic investors, and enhance comprehensive competitive strength and development potential through innovative products and mechanisms; On the other hand, with the support of policies, actively extend the organization to 13 counties (cities) and other places to accelerate the development of new lanes of regional banks.
4. Which bank in Nanyang lends money quickly and has a low interest rate?
If you have a job, you can apply for a small-wage loan at a local loan guarantee company or bank. As long as the information is fully prepared and the bank is efficient, it can lend money on the same day at the earliest. It usually takes 3 to 5 working days. Loan preparation conditions: 1. Fixed income depends on salary details. 2, age 22-55, 3, if the loan is used for business or car purchase, there must be a guarantor and mortgage. 4. No bad credit record. Materials to be prepared for loan: 1, lender's ID card; 2. The credit information of the lender in the past six months, and the credit information is good; 3. The bank card under the lender's name has been flowing for nearly half a year without interruption; 4. The lender's residence certificate. Income certificate issued by the lender's work unit. 6. Social security, insurance policies and provident funds can also be loaned. If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.