Small-sum general credit account refers to the payer's initiative to initiate an inter-bank payment request to the payee bank through the payer bank. The common ones are remittance, inter-bank transfer, collection and acceptance remittance, etc. For example, Mr. A has a card of Agricultural Bank in his hand and received a small sum of money to be credited to his account, which means that someone else has remitted the money to Mr. A's card. If you receive this message, you only need to know whether someone is currently remitting money to yourself. Some users think that the information is related to loans because they see the credit information, but it is actually just a reminder of remittance.

1. Microfinance is a comprehensive consumer loan with individuals or enterprises as the core. The loan amount is generally more than 6,543,800 yuan and less than 200,000 yuan. The treatment process usually needs to be guaranteed. Microfinance is an extension of microfinance in technology and practical application. Microfinance in China: Mainly serving agriculture, rural areas and small and medium-sized enterprises. The establishment of small loan companies reasonably pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises. At present, there are also personal micro-loans for office workers, generally ranging from 65,438+0,000 to 50,000 yuan. Most of them don't need a mortgage, but their credit and information review is very strict. 2065438+On September 6th, 2008, the Ministry of Finance of China and State Taxation Administration of The People's Republic of China issued an announcement, 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.

Two, China bank microfinance application conditions.

1. China citizens with full civil capacity who have a fixed residence in China, or a fixed residence (or valid residence certificate) in a local town, or a fixed business place; 2. Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule; 3. There is no bad credit record, and the loan cannot be used for stock trading and gambling.

Iii. Application materials for small loans from China Bank.

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials; 2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates; 3. Provide stable proof of income source, bank flow sheet and labor contract.

Fourth, the basic knowledge of interest calculation

Compound interest: compound interest refers to adding interest at a certain interest rate. According to the regulations of the central bank, if the borrower fails to repay the interest at the time agreed in the contract, it will be charged with compound interest. Penalty interest: If the lender fails to repay the bank loan within the specified time limit, the bank will call the penalty interest paid to the person who fails to attend the appointment according to the contract signed with the parties as the bank penalty interest.

The formulation and filing of interest-bearing settlement rules and interest-bearing measures for deposit and loan business formulated by national commercial banks as legal persons shall be reported to the head office of China People's Bank for the record and informed to customers; Regional commercial banks and urban credit cooperatives as legal persons shall file with the branches of the People's Bank of China and the central branch of the provincial capital and inform customers; County rural credit cooperatives as legal persons can formulate interest calculation and settlement rules and interest calculation methods for deposit and loan business according to the actual situation of the county rural credit cooperatives, and report to the branches of the People's Bank of China and the central branch of the provincial capital for the record, and the rural credit cooperatives as legal persons will inform customers.