1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2 have a stable job and good economic income, and have the ability to repay the principal and interest of the loan on schedule;
3. Abide by the law, have no illegal acts in the near future and have no bad credit record;
4. Obtaining a personal credit rating above Grade A in China Industrial and Commercial Bank;
5. Open a personal settlement account in China Industrial and Commercial Bank;
6. Other conditions stipulated by China Industrial and Commercial Bank.
The above are the conditions for applying for personal credit loan of ICBC. I hope this answer is helpful to you. Please refer to the actual requirements of ICBC for details.
2. What is the credit rating standard of ICBC?
Category: Commercial/Financial Management >> Banking
Problem description:
What is the credit rating standard of ICBC? Similar to AAAAAAA.
Analysis:
In case of bank credit rating, the following information shall be provided:
1, customer organization chart;
2. Credit rating power of attorney;
3. Income statement and cash flow statement without balance sheet in recent two years;
4 copies of business license, code certificate and loan certificate after annual inspection; .
5. Company profile;
6, nearly two years of tax returns or effective tax information summary table;
7, the enterprise paid-in capital acceptance report;
8. A copy or certificate of the appraised value of the collateral used as the loan;
9, nearly two years of industrial water (electricity) fee payment list copy or effective summary payment voucher (industrial enterprises)
10, other relevant materials that need to be reported.
At present, banks have their own set of credit rating standards, and generally calculate some financial indicators according to the operating conditions of enterprises, including liquidity, profitability, management ability, development prospects and so on. Score according to the standard. Generally, the perfect score is 100, the score of 90- 100 is AAA, the score of 80-89 is AA, the score of 70-79 is A, and so on.
However, the rating of banks is generally only used as their own evaluation standard for loans issued by enterprises, which has no reference significance to the outside world and the ratings between banks are not comparable.
At present, the People's Bank of China takes the lead in evaluating the credit rating of enterprises holding loan cards, which is not much different from the ratings of various banks, but has a relatively unified standard. But banks are basically rated according to their own standards, and the ratings conducted by the People's Bank of China are for reference only.
At present, the credit level in China is generally low, and the financial data of enterprises are also lack of transparency, so the rating is of little significance.
3. What are the credit ratings of ICBC loans?
Individual customers are subdivided into seven-star customers, six-star customers, five-star customers, four-star customers, three-star customers and quasi-star customers according to their contribution stars. The evaluation criteria for each type of customer are as follows:
(1) Seven-star customers: the star point value is above 80000 (inclusive).
(2) Six-star customers: the star point value is 10000 (inclusive) ~ 80000.
(3) Five-star customers: star point value 2000 (inclusive) ~ 10000.
(4) Four-star customers: the star point value is 500 (inclusive) ~ 2000.
(5) Three-star customers: the star point value is 50 (inclusive) ~ 500.
(6) Quasi-star customers: the star integral value is 0 (excluding) ~ 50.
(7) Customers with a star point value equal to 0 will not be rated as stars.
For customers who meet one of the following conditions, if the current service star rating is low, the system will automatically upgrade to the corresponding star rating immediately:
(1) signed a private banking service agreement, and the service star was adjusted to seven stars.
(2) ICBC wealth management account card and platinum credit card were opened, and the service star was adjusted to six stars.
(3) Open a wealth management account and a credit card gold card, and adjust the service star to five stars.
(4) Open an ordinary credit card and adjust the service star to four stars.
The star point value is calculated by summarizing your assets, liabilities and intermediary business in our bank (the whole bank) for nearly six months.
4. What is the credit rating standard of ICBC?
If it is a bank credit rating, the following information shall be provided: 1, customer organization chart; 2. Credit rating power of attorney; 3. Income statement and cash flow statement without balance sheet in recent two years; 4 copies of business license, code certificate and loan certificate after annual inspection; . 5. Company profile; 6, nearly two years of tax returns or effective tax information summary table; 7, the enterprise paid-in capital acceptance report; 8. A copy or certificate of the appraised value of the collateral used as the loan; 9. Copy of industrial water (electricity) fee payment list or effective summary payment voucher (industrial enterprise) 10 in recent two years, and other relevant materials that need to be reported. At present, banks have their own set of credit rating standards, and generally calculate some financial indicators according to the operating conditions of enterprises, including liquidity, profitability, management ability, development prospects and so on. Score according to the standard. Generally, the perfect score is 100, the score of 90- 100 is AAA, the score of 80-89 is AA, the score of 70-79 is A, and so on. However, the rating of banks is generally only used as their own evaluation standard for loans issued by enterprises, which has no reference significance to the outside world and the ratings between banks are not comparable. At present, the People's Bank of China takes the lead in evaluating the credit rating of enterprises holding loan cards, which is not much different from the ratings of various banks, but has a relatively unified standard. But banks are basically rated according to their own standards, and the ratings conducted by the People's Bank of China are for reference only. At present, the credit level in China is generally low, and the financial data of enterprises are also lack of transparency, so the rating is of little significance.