Locals are easier to deal with. The application requirements for Changsha Bank's credit card are still relatively difficult for card applicants from other places to meet, because Changsha Bank is a city commercial bank with relatively few branches across the country. One of the conditions for applying for a credit card is that the applicant is required to work or have a residence where the card issuance bank is located, which is very unfriendly to friends from out of town. But for local card applicants in Changsha, the application requirements are not too high and it is easy.
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1. Changsha Bank was established in May 1997 by the Changsha Municipal Finance Bureau, Changsha Kaifu District Finance Bureau, Changsha Furong District Finance Bureau, and Changsha Municipal Finance Bureau. It was established by the original shareholders of Tianxin District Finance Bureau, Hunan Provincial Post and Telecommunications Administration, Changsha Xinda Industrial Co., Ltd., Changsha Commercial Corporation and the original 14 city credit cooperatives and municipal cooperatives in Changsha. It was renamed in 2008. Changsha Bank is the first regional joint-stock commercial bank in Hunan Province and the largest corporate financial enterprise in Hunan. Changsha Bank was listed on the Shanghai Stock Exchange on September 26, 2018. It is the first listed bank in Hunan, stock code: 601577, stock abbreviation: Changsha Bank. It has 30 branches and directly-affiliated sub-branches, including the Guangzhou branch, and its business outlets cover all prefectures and cities in Hunan Province. It controls and sponsors three rural banks in Xiangxi, Qiyang and Yizhang and Hunan Changyin Wuba Consumer Finance Co., Ltd.
2. The bank’s business scope has been approved by the China Banking Regulatory Commission and other regulatory authorities, and mainly includes: absorbing public deposits; issuing short-term, medium-term and long-term loans; handling domestic and foreign settlements; handling bill acceptance and discounting; issuing financial Bonds; agency issuance, redemption, and underwriting of government bonds; buying and selling of government bonds and financial bonds; engaging in inter-bank lending; buying and selling, and acting as an agency to buy and sell foreign exchange; engaging in bank card business; providing letter of credit services and guarantees; agency for collection and payment and insurance agency business; Provision of safe deposit box services; other businesses approved by the banking regulatory authority of the State Council.
3. Create county finance and serve the county economy. On the basis of establishing 73 county branches, covering 59 counties, it adopts the model of county branches, community branches and farmers' withdrawal points, and plans to cover 90 counties (cities), 10 towns and administrative villages in another two years. Based on the major grain-producing province of Hunan, we cooperated with Hunan Agricultural Credit Guarantee Co., Ltd. to launch the "Huinong Guan-Grain Loan" product to provide loan services to farmers' cooperatives, leading agricultural enterprises, and large grain growers. Focusing on the county's advantageous and characteristic industries, we implement "one industry, one policy" and "one industry, one specialty" development, and promote customized financial service products for specialty industries such as fireworks and ceramics in Liuyang, Liling and other places, which have blossomed in counties across Hunan Province.