1. Introduction of Huaxia Bank:
With the care and support of Deng Xiaoping, the chief architect of reform and opening up, Huaxia Bank was established in Beijing on June 1992. 1March 1995, shareholding system reform; In September, 2003, it went public for the first time (stock code: 6000 15), becoming the fifth listed bank in China.
By the first half of 20 19, total assets reached 3.02 trillion yuan, total loans 1.78 trillion yuan, and total deposits 1.68 trillion yuan. There are 42 first-level branches and 68 second-level branches in cities above 1 10, with a total of10/7 outlets and nearly 40,000 employees, forming an institutional system of "based on economically developed cities and radiating the whole country". There are 1330 domestic and foreign correspondent banks, covering 334 cities in five continents 102 countries and regions, and establishing a settlement network covering major trading areas in the world. In the ranking of 65,438+0,000 banks in the world by British Banker magazine in July, 2065,438+09, Huaxia Bank ranked 56th in the world in terms of tier-one capital and 67th in terms of assets, up 9 places and 3 places respectively from the previous year. In Forbes magazine's 20 19 ranking of the top 2000 global listed companies, Huaxia Bank ranked 265th, up 24 places from the previous year.
Since its establishment, Huaxia Bank has won many awards, such as "Advanced Unit of Financial Services for Small and Micro Enterprises", "Financial Institution with the Most Social Responsibility" and "Best People's Livelihood Finance Award in China Banking Industry". 20 19, 19 won the People's Ingenuity Brand Award of 20 19 on February 25th.
Second, Huaxia Bank loan process:
1. The borrower applies for self-service loan from the bank and submits relevant materials.
2. For the credit granted by the bank, the bank will sign relevant contracts with borrowers and guarantors, and handle mortgage, pledge and other related procedures.
3. The borrower handles the formalities of opening an account and entering the amount of self-service loan at the counter.
4. The borrower can realize self-service loan through bank counter, UnionPay POS card consumption, self-service inquiry machine, telephone banking and online banking.
5. The borrower can realize self-service repayment, inquiry, printing and other transactions through bank counters, self-service inquiry machines, telephone banking and online banking.
6. After the borrower pays off the loan and goes through the formalities for terminating the self-service loan, the borrower goes through the formalities for withdrawing the mortgage.
Iii. Matters needing attention and risk warning of loans:
1. The loan can be secured by one or more of three ways: pledge, mortgage and guarantee.
2. The borrower's POS credit card consumption loan function must be enabled by the borrower when applying for a loan. After this function is enabled, the borrower can dynamically pledge (in the form of applying for a loan by lump-sum savings deposit in the card). Before using the POS machine to swipe the remaining pledged amount, the borrower must also handle a loan business in other loan channels;
3. After using this card, the borrower should inquire about the loan details in time, understand the loan amount and term, and make timely repayment preparations; If the transaction is returned or cancelled after spending by credit card, the loan will not be automatically returned, and the borrower needs to go through voluntary repayment procedures;
4. After handling self-service loans in electronic banking systems such as self-service inquiry machines, online banking and telephone banking. , it is necessary to check the account balance in time, confirm that the loan has arrived, and after handling the repayment, extension and other transactions, it is necessary to check the loan details in time to confirm the success of the transaction and avoid losses caused by unsuccessful operations;