Question 1: Do loan cards still need annual inspections in 2014? Hello, for annual inspections of loan cards, the People's Bank of China has different requirements in different places. It is recommended to contact the local People's Bank of China directly to verify the specific application process. The following are some branch application materials. You can For reference: Applicants who handle the loan card annual review business need to submit the following documents and materials, and stamp the official seal on the copies. 1. Administrative license (i.e. loan card); 2. Complete the "Loan Card Annual Review Report"; 3. The original copy of the "Enterprise Legal Person Business License" or "Business License" that has passed the annual review by the industrial and commercial administration department and keep the copy. Original valid certificates of public institutions and other borrowers and keep copies; 4. The original copy of the "Organization Code Certificate of the People's Republic of China" that has passed the annual review by the Technical Supervision Bureau and keep the copy; 5. The original copy of the "National Tax Registration Certificate" or the "Local Tax Registration Certificate" and keep the copy; 6. The balance sheet, profit and loss statement and cash flow statement of the legal person enterprise at the end of the previous year. Each report page must be stamped with the company's official seal and signed by the financial person in charge and the preparer; 7. Copy of the valid identity document (ID card, foreign passport, return permit, etc.) of the legal representative, person in charge or agent and resume supporting materials, and a copy of the identity certificate of the person in charge; 8. Issue a copy of the "Organizational Code Certificate of the People's Republic of China" of each investing unit or a copy of the ID card of the investing natural person; 9. Other materials required by the People's Bank of China.

(If you have other questions, it is recommended that you consult "Customer Service Online" forum.cmbchina/...ncmu=0. Thank you for your attention and support!)

Question 2 : How to apply for a personal loan card in 2015? Does the loan card still need annual inspection in 2015? Personal house purchase information

1. The household registration book, ID card and copy of the borrower's husband and wife (***same owners).

2. House purchase contract or agreement signed with the selling unit.

3. Proof of position and income issued by the borrower's unit. Private enterprises mainly provide business income and tax certificates, business licenses and copies issued by relevant departments that can show their debt repayment.

4. The borrower’s deposit certificate and copy of the first installment of the house.

5. Personal housing loan application form (format provided by the bank).

Personal house purchase process

1. Sign a house purchase agreement with the development company.

2. Fill in the personal housing loan application form and provide the information required by the bank.

3. If the conditions are met after being reviewed by the bank, deposit the full down payment for the house purchase in the bank or issue a down payment certificate.

4. After passing the examination and approval, sign the loan contract, mortgage contract and guarantee contract.

5. Handle house property mortgage registration, house insurance and notarization procedures.

6. Handle loan entry and transfer procedures.

7. Go to the development company to handle the relevant registration procedures.

Question 3: How to apply for a personal loan card in 2015? Does the loan card still require an annual inspection in 2015? Loan application conditions:

1. Must have a fixed income, depending on salary details;

2. Be 18-65 years old;

3. If the loan is used for business or car purchase, there must be a guarantor and mortgage;

4. Good credit report.

Loan application materials:

1. Lender’s ID card;

2. Lender’s credit information for the past six months, and the credit information is good;

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3. Bank card transactions in the borrower’s name for the past six months without interruption;

4. Proof of the borrower’s residence certificate (rental contract, property certificate, water, electricity, and bills in the past three months) Gas invoice);

5. Proof of income issued by the lender’s workplace;

6. Social security, insurance policies, and provident fund monthly payments can also be used as loans.

If you want to borrow a higher amount, you can get a mortgage loan, such as a house, a car, etc.

Question 4: Does the loan card still need to be reviewed annually? 1. Is it still necessary to continue the annual review? Yes, because you still need to take out another loan.

2. Use the original one. There is only one loan card, so use that one from beginning to end.

Question 5: How to apply for a personal loan card in 2015? Does the loan card still require an annual inspection in 2015? Credit card application conditions:

1. Over 18 years old;

2. Have a fixed occupation and stable income, and the workplace is generally in the place of permanent residence Urban and rural residents;

3. Fill in the application form and sign in the "Applicant's signature" area.

To apply for a credit card, you need to provide the following information:

1. Copy of ID document, proof of employment, proof of income, etc.;

2. Provide bank deposit receipts, real estate Certificates, degree certificates, etc.;

3. If you have a foreign household registration, overseas personnel are applying for local jobs, and active military officers apply for credit cards in their own names, some card-issuing banks may require a temporary certificate issued by the local public security department.

Household registration or certificate issued by relevant departments (including work certificate).

Question 6: Does the Chengdu loan card still need an annual inspection in 2015? Starting from 2015, the loan card does not need an annual inspection.

In the "Decision of the State Council on Canceling and Adjusting a Group of Administrative Approval Items and Other Matters" (Guofa [2014] No. 50) announced on November 24, it was clearly stated that after the cancellation of loan card issuance approval, the Chinese people The bank has successively issued the "Notice of the People's Bank of China on Implementation" (Yinfa [2014] No. 359) and the "Notice of the General Office of the People's Bank of China on Matters Concerning the Cancellation of Administrative Approval Projects for Loan Card Issuance" (Yinfa [2014] No. 257), announced that it will stop the issuance and annual review of loan cards starting from December 5, and the People's Bank of China will no longer inspect whether financial institutions verify borrowers' loan cards when handling credit business.

Question 7: How to apply for a personal loan card in 2015? Does the loan card still require an annual inspection in 2015? Credit card application requirements:

Aged 18 and below 65 years old;

A second-generation ID card is required;

Proof of employment and income stamped with the company's financial seal;

No bad credit record;

Other proof of financial resources, such as real estate, cars, stocks, bonds, etc.

Credit card application process:

Fill in the application form;

Provide personal information to the bank, and a copy of the information;

Send by the bank To the credit card center;

The credit card center will review, print and issue the card;

After I get the card, I will open it and wait for the password letter.

Being over 18 years old is a mandatory requirement for applying for a credit card. However, without proof of employment, it is easy to be rejected when applying for a credit card. Therefore, if you do not have an employer, it is best to have real estate or a car under your name. If you have fixed assets or a stable source of income, you can also go to the bank where the transaction occurs to obtain a bank statement and apply to the bank. If your income source is relatively stable, your application success rate is still very high.

Question 8: Has the loan card annual inspection been canceled in 2015? Yes, it has been cancelled.

Question 9: What to do after the corporate loan card is cancelled. The loan card is currently under construction of the credit information system. The main functions it plays are: first, financial institutions use the loan card code as the identity of the enterprise to submit and query the enterprise's credit information; second, it collects the basic information of the enterprise through the loan card issuance and annual review

Then the loan Will canceling the card affect the operation of the credit reporting system? The Credit Information Center has long been prepared for this. In addition to loan card codes, the People's Bank of China began to study and establish an institutional credit code system as early as last year. Each institution that opens a basic deposit account in a commercial bank will be assigned a unique credit code that will remain unchanged for life and establish a system with There is a corresponding relationship between other commonly used institutional codes. It has multiple functions such as institutional identification, query, search, and information collection. At the end of the year, the issuance of institutional credit codes basically achieved full coverage. As of the year, month and day, institutional credit codes have been issued to tens of thousands of institutions. At the same time, The system was promoted nationwide on the day of the year. The credit reporting center has gradually applied institutional credit codes in the construction of the credit reporting system to play a role similar to that of a loan card. Institutions that newly open a basic deposit account must report to the opening bank when opening a basic deposit account. You can apply for it. Institutions that have opened a basic deposit account before the year and month date can go to the bank where the basic deposit account is opened to apply. As of the year and month day, the number of institution credit codes issued is 10,000.

Question 10: 2015 Corporate Loan Card Annual Inspection Do I need to declare online? The 2015 loan card annual inspection has been cancelled