Introduction of Postal Savings Business Postal savings business is a loan product for farmers and merchants (small business owners) launched by China Postal Savings Bank. Farmers are short-term loans issued to farmers to meet their agricultural planting, breeding or production and operation needs. Businessmen refer to loans granted by private entrepreneurs (including sole proprietorships, partnership partners and individual shareholders of limited liability companies). ), individual industrial and commercial households, urban self-employed households and other small business owners engaged in production and trade in urban and rural areas to meet their production and operation capital needs. Business Type: ◆ Farmers' Joint Guarantee Loan: It means that 3 to 5 farmers form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan. ◆ Farmers' guaranteed loan: refers to farmers. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each farmer is temporarily 50,000 yuan. Merchant joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households with business licenses or owners of sole proprietorship enterprises, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). ◆ Merchant-guaranteed loan: refers to individual industrial and commercial households or sole proprietors with business licenses. As long as one or two (depending on the loan amount) people with fixed jobs and stable income are used as their loan guarantors, they can apply for loans from the Postal Savings Bank. The maximum loan amount for each merchant is temporarily 6,543,800 yuan (200,000 yuan in some areas). Handling process: the borrower only needs to form a joint guarantee team or find a guarantor and bring his ID card. If a business needs to bring a business license, they can apply at the opened outlets together, accept the investigation, pass the examination and approval, and get the loan after signing the contract. Repayment method: ◆ One-time repayment of principal and interest ◆ Equal repayment of principal and interest ◆ Installment repayment method (only interest is repaid during the grace period, and equal repayment of principal and interest after the grace period). Before the maturity date of the loan principal and interest, the borrower needs to deposit enough funds in the postal savings account where the loan is issued, and the computer system will automatically deduct it. Note: The specific product information and business process shall be subject to the announcement of the local postal savings institution.
2. What is the application process of the fast-running loan of the Postal Savings Bank?
Postal Savings Bank ultra-fast loan processing process:
1. Mobile banking submits a loan application;
2. The system automatically audits;
3. Quota takes effect;
4. Sign a loan contract online;
5. Online lending;
6. Repay on time.
Postal savings bank ultra-fast loan application conditions:
1. The applicant is between 20 and 50 years old and is a natural person with full capacity for civil conduct.
2. The applicant can provide valid identity documents.
3. The applicant has a fixed residence and stable income, and has the ability to repay on time.
4. Applicants need to provide proof of address, proof of work and details of bank flow.
5. The applicant should have good credit and no bad records in the credit information system.
Third, small loans should be re-applied manually.
After the small ultra-fast loan is transferred to manual re-application, manual communication will be conducted to determine the loan procedure. Small fast loan is a credit loan product provided by China Postal Savings Bank for customers with good online data. It is divided into four application modes: farmer's joint guarantee loan, farmer's joint guarantee loan, merchant's joint guarantee loan and merchant's joint guarantee loan. The maximum loan for farmers is 50,000 yuan, and the maximum loan for merchants is 654.38+10,000 yuan, and the quota may be higher in some areas. Please consult your local Postal Savings Bank for details. The longest loan period is 24 installments with equal principal and interest every month. One-time repayment of principal and interest is only applicable to the loan term, and interest is paid regularly. One-time principal repayment to Huawei mobile phone HarmonyOS system OS2.0 Postal Savings Bank APP version number 4.0.23.
1, the application conditions for micro-fast loans are still relatively strict.
Applicants are required to be between 18 and 60 years old; Open the postal savings bank mobile banking letter verification service and other functions; If the applicant has a business license, the applicant must be the owner of the business license; The regular credit report of the enterprise is normal or defective; The business unit has no bad industrial and commercial information records such as administrative punishment and abnormal operation; In the Postal Savings Bank, there are no other outstanding non-mortgages and pledges, including the amount that has not been written off. After all, it's a bank product. It will definitely check the credit investigation. Friends with poor credit information can be ignored.
2. Advantages of the product
Basic Information Postal Savings Bank launched pure online products for industrial and commercial households, farmers and other customer groups to meet the daily operating capital needs of customers. It has the upper limit of online operation: the maximum credit is 300,000 yuan, and the maximum mortgage is 1 10,000 yuan. Long-term: the longest credit period is 24 months and the longest mortgage period is 60 months. Flexible payment: within the validity period of the quota, it can be borrowed or returned. Simple operation: mobile phone application, bank-wide operation, loan purpose: it can be used for production and operation. Applicable conditions 18 to 60 years old. Blacklist customers who engage in production and business activities in accordance with national policies, have normal operations, good credit status 1, no bad credit and external data providers.
3. Application route: Mobile banking operation process of Postal Savings Bank.
Mobile banking sign 17:30. Step 1: Log in to the main interface of mobile banking and click "Loan" in the upper right corner. Step 2: Under the loan service, click "I want to operate". Micro-fast loan is the first time that Postal Savings Bank applied for a loan online through the mobile banking of Postal Savings Bank, and automatically approved the amount in real time according to the bank's risk control model, so as to provide efficient and convenient inclusive finance service for small and micro enterprise customers with financing needs. Product factor loan target: small and micro households, credit line: up to 6,543.8+million yuan, loan term: up to 5 years, payment method: line transfer, and repayment method: one-time repayment of principal and interest.
Four, Postal Savings Bank tobacco ultra-fast loan application process
1. The lender brings information to China Postal Savings Bank, which generally includes ID card, tobacco certificate, store business license, personal assets certificate, house lease contract, marriage certificate, tobacco purchase invoice in the last three months, etc. 2. The lender submits information to the bank to apply for a loan; 3. Bank approval materials; 4. The bank signs a contract with the lender; 5. The bank issues loans to lenders; 6. The lender repays the loan within the contract period. The above is the process of handling tobacco loans. The condition for applying for a tobacco loan is 1. The loan applicant must be married, aged between 30 and 60 (inclusive); 2. The lender needs to operate the tobacco industry for more than two years, including two years, and the loan period cannot be longer than the validity period of the tobacco license; 3. Have a personal bank account and a tobacco enterprise account for more than one year. A running account can be a husband or a wife, but it must be uninterrupted every month; 4. In the latest year, the total amount of tobacco business of the lender is not less than 200,000 yuan; 5. The net assets of the lender and its spouse shall not be less than 300,000 yuan. "Tobacco loan", also known as tobacco (commercial) loan, refers to commercial (or consumer) credit loans issued by banks, microfinance companies, consumer finance companies and other fund providers to merchants holding tobacco monopoly retail licenses to meet their market operations. Borrowers can apply for loans only by providing relevant certificates, and make online self-service payment and repayment. Each loan is paid directly to the brand's collection account. According to official website information of Netxinxin Lianyun Financial Information Service (Zhejiang) Co., Ltd. (hereinafter referred to as Lianyun Jin Fu), the maximum loan amount of its tobacco loan products reaches 500,000. The application conditions mainly include: the applicant must be the actual owner of the store, the name of the store with the same business license and tobacco license, and the store has obtained the tobacco business license for one year. The basic risk control logic of "tobacco loan" is based on tobacco license and operating years as the entry threshold, and the real transaction flow of customers as the credit basis and risk control means. Enterprises with more than 5 cigarette stalls, operating for more than one year and good reputation can apply for loans. But in fact, this logic is not rigorous. On the one hand, the qualification of tobacco sales does not necessarily represent the scale and strength of operators. Based on the five grades of "cigarette quantity" assessed by China Tobacco Corporation (the highest is 30), the threshold is obviously not high. On the other hand, borrowers can use money and pay back money online, which is convenient and efficient, but it may also bring out of control the use of funds. Therefore, in practice, financial institutions often use big data, blockchain and other technologies to integrate the original decentralized financial service channels of tobacco farmers, tobacco companies, tobacco distributors and other enterprises, realize closed-loop management of fund collection, payment, settlement, subsidies and loans, and enhance the effectiveness of risk control.