Tobacco loans from ICBC need to be processed at ICBC business outlets. Applicants need to bring their ID card, a copy of the tobacco monopoly retail license and other relevant information to the ICBC branch counter, apply for an ICBC tobacco loan to the staff, and then fill in the ICBC tobacco loan application form and wait for review by ICBC. That’s it.

1. Tobacco loan relies on merchants’ cigarette purchase, sales, assessment and grading data to establish a scoring credit model and issue pure credit loans to high-quality merchants online. Business features: high limit - personal pure credit limit can reach up to 500,000, long term - the credit is valid for 1 year, and the single loan term is 6 months, covering the merchant's purchasing cycle. , low cost - the interest rate is at the lower level of the industry, the LPR increases by 0-80BP, and there are no other fees except financing interest. Flexible use - the quota can be used repeatedly, borrowed and repaid at any time, with monthly interest payments and one-time principal repayment. Access conditions: Aged between 18 years old (inclusive) and 65 years old (exclusive), engaged in tobacco business for more than 2 years (inclusive), no bad credit record, and good credit status.

2. Procedures required for applying for a tobacco license:

1. Application. When applying, the applicant can apply directly to the license application hall of the local county-level Tobacco Monopoly Bureau. Places with qualified conditions can also apply. You can apply online. If an application is submitted by letter, telegram, fax, electronic data interchange, email, etc., the acceptance agency will convert it into a formatted text and confirm it with the applicant.

2. Acceptance. During the acceptance process, if the application materials are complete and comply with the legal form, or the applicant has submitted all supplementary and corrected application materials as required, the county-level Tobacco Monopoly Bureau shall accept the application and stamp a special The "Notice of Administrative Licensing Acceptance" with the seal is sent to the applicant.

3. On-site verification. After the Tobacco Monopoly Bureau accepts the application, it will assign more than two staff members to the business premises to verify whether the application content is consistent with the actual situation, combined with the reasonable layout of local tobacco product retail outlets. request, submit verification results.

4. Review and approval. The Tobacco Monopoly Administration’s review department will review the authenticity, legality, validity, and completeness of the materials submitted by the applicant in accordance with relevant laws and policies and the requirements for a reasonable layout of local tobacco product retail outlets. Wait for review and provide opinions on whether to handle it, and submit it to the approver for approval.

5. Decision. Under normal circumstances, the Tobacco Monopoly Bureau will make a decision in accordance with the law within 20 working days from the date of acceptance. If permission is granted, the Tobacco Monopoly Bureau will make a decision to grant administrative licensing and serve a tobacco monopoly retail license to the applicant within ten days.