This kind of pre-credit is actually a reminder that the bank wants you to apply for a loan with them. The text message sent to you is not that it is due, but to remind you that there is a loan available. The expected cash limit for spending is expiring. If it is not necessary, you can ignore it. If necessary, you need to call Agricultural Bank of China again to verify.

Pre-credit refers to a flexible, convenient and recyclable credit product provided by banks to customers. As long as the credit balance does not exceed the corresponding business variety indicators, regardless of the cumulative amount and number of issuances, Short-term credit can be quickly provided to customers.

AGRICULTURAL BANK OF CHINA (ABC, Agricultural Bank of China) was established in 1951. The head office is located at No. 69 Jianguomennei Street, Beijing. It is a large state-owned bank managed by the central government, [1] and a national deputy ministerial level unit. [2-3] Agricultural Bank of China is an important part of China’s financial system. [4-5] It provides a variety of corporate banking and retail banking products and services. It also conducts financial market business and asset management business, and its business scope also covers investment banking. , fund management, financial leasing, life insurance and other fields.

Company Scale

The Agricultural Bank of China has the widest branch network system and leading position through 24,064 branches nationwide, 30,089 ATMs and 1,171 overseas agent banks around the world. With its advantages in information technology, it provides convenient, efficient and high-quality financial services to more than 350 million customers around the world.

Agricultural Bank of China has a total of 23,461 domestic branches, including the head office, 32 first-level branches, 5 directly affiliated branches, 316 second-level branches, and 3,479 first-level sub-branches. , 19,573 grassroots business institutions and 55 other institutions. Overseas branches include 3 overseas branches and 4 overseas representative offices. The main holding subsidiaries include 6 domestic holding subsidiaries and 3 overseas holding subsidiaries.

Mainland China

At the end of 2010, total assets exceeded 10 trillion yuan and reached 11.68 trillion yuan in 2011, accounting for 11.3% of the total assets of the country’s banking and financial industry. It is the largest and largest bank in China. One of the largest listed commercial banks in China and an important part of China's financial system. At the end of 2011, various deposits reached 9.62 trillion yuan, various loans were about 5.63 trillion yuan, the capital adequacy ratio was 11.94, and the core capital adequacy ratio was 9.75, both at relatively high levels. By the end of 2011, the non-performing loan ratio had dropped by 0.48 year-on-year respectively. , the provision coverage ratio was 263.1, an increase of 95.05, and all core indicators ranked at the forefront of domestic comparable peers. The Agricultural Bank of China's annual report also shows that its intermediary business has developed the fastest, with a net fee and commission income of approximately 46.128 billion yuan for the year, about 10.488 billion yuan more than the previous year, an increase of more than 30%. If the agency business of disposing of non-performing assets on behalf of the Ministry of Finance is excluded After fee income, this growth rate can be increased to 42.8, among which the growth rates of electronic banking, credit cards, investment banking, agency insurance and other businesses are all above 50.