1, Agricultural Bank:
Agricultural Bank of China has branches all over the country, becoming a large modern commercial bank with the largest number of branches and the widest business scope in China. The loan business includes: absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic and international settlement;
Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Providing letter of credit services and guarantees; Agency payment and insurance agency business, etc.
2. ICBC:
The basic task of China Industrial and Commercial Bank is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.
Adhering to market orientation and customer-centeredness, ICBC accelerated business innovation, improved customer service, and strived to build the first retail bank in China, winning the Best State-owned Retail Bank Award in China issued by Asian Banker magazine.
3. Bank of Communications:
Bank of Communications is one of the major financial service providers in China, covering commercial banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services. There are 235 domestic branches of Bank of Communications, including 30 provincial branches, 7 directly affiliated branches and 99 provincial branches/KLOC-0, which are distributed in 239 cities above prefecture level.
158 county or county-level city * * 3270 business outlets; It owns seven non-bank companies, including wholly-owned subsidiaries of Bank of Communications Leasing, Bank of Communications Insurance and Bank of Communications Investment, and holding subsidiaries of Bank of Communications Fund, Bank of Communications Guo Xin, Bank of Communications Life Insurance and Bank of Communications International.
4. China Construction Bank:
It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.
5. Shanghai Pudong Development Bank:
The main business of Shanghai Pudong Development Bank includes absorbing public deposits, issuing short-term, medium-term and long-term loans, settlement, bill discounting, issuing financial bonds, issuing agents, paying agents, underwriting government bonds, buying and selling government bonds, interbank lending, providing letter of credit services and guarantees, etc. Including wealth creation of Shanghai Pudong Development Bank, supply chain financing, pension business, cash management, asset custody and offshore bank.
Matters needing attention in loan:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. prepayment must be handled by communicating with the bank one month in advance.
9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.
Baidu Encyclopedia-Shanghai Pudong Development Bank
Baidu Encyclopedia-China Construction Bank
Baidu encyclopedia-bank of communications
Baidu Encyclopedia-Industrial and Commercial Bank of China
Baidu Encyclopedia-Agricultural Bank of China
Baidu encyclopedia-loan