China Construction Bank does not have tax loans, but has tax loans.

Tax-free loan

Circulating RMB credit loan business for short-term production and operation turnover issued by China Construction Bank to small and micro enterprises that pay taxes in full and on time.

1. Applicable object: small and micro enterprises that pay taxes with high quality.

2. Loan amount: The maximum loan amount shall not exceed RMB 3 million.

3. Term of the loan: the longest term shall not exceed 1 year.

4. Guarantee conditions: the business owner and spouse provide joint liability guarantee.

5. Product nature: tax credit loan.

Extended data:

"Tax to loan" has the following characteristics:

1. Design concept based on big data products. Fully analyze the tax payment data of enterprises, and judge the business ability and credit level of enterprises through cross-validation of information.

2. Adopt differentiated loan quota design. According to different regions, taxes, customers' tax credit rating, and the opening of basic settlement accounts and tax accounts in our bank, different upper limits are set.

3. Implement mass marketing.

Through cooperation with tax authorities, we can obtain tax information of small and micro enterprises in batches, or conduct batch screening and precise marketing of small and micro enterprises that have opened tax accounts in our bank. At the same time, use the credit business process of small and micro enterprises to improve operational efficiency.