Consumer reserve fund is a small emergency fund provided by Ping An Bank to cardholders through active invitation, and cardholders can repay the principal and a certain amount of handling fees in installments.
After successful processing, it can be used the next day after receiving the reminder message of the special reserve fund for consumption.
It should be noted that Ping An Bank's consumer reserve fund is only used for daily credit card swiping and online payment, which can offset the issued credit card bill. The reserve fund shall be given priority and shall not be withdrawn, transferred or recycled. After receiving the account, whether it is used or not, the fixed principal and handling fee will be paid back every month.
2. Consumption Reserve Fund of Agricultural Bank of China
The consumption accumulation fund of Agricultural Bank of China has an exclusive quota, and the minimum single application amount is 500 yuan RMB. After the approval, the bank will transfer the funds to the designated credit card. After the funds arrive, the cardholder can spend, but can't withdraw cash.
At the same time, the cash withdrawal, transfer and real estate consumption functions of credit cards and supplementary cards will be closed by banks until the reserve funds in the cards are used up.
It should be noted that regardless of whether the cardholder has used the funds, he must repay the installment principal of the "consumer reserve fund" and pay the installment fee according to the amount shown in the credit card statement.
Extended data:
Emergency financial management mainly refers to the emergency financial management scheme for pawn shops to respond quickly to emergencies.
Facing the individual, it refers to the general public seeking the services of pawn shops when they are in urgent need of funds in order to cope with emergencies (such as natural disasters, man-made disasters, illness and death, etc.);
Facing the enterprise, it refers to the unexpected situation and fund gap of the enterprise, and the pawnshop responds quickly. Professional teams provide financing solutions to help enterprises turn losses into profits and effectively revitalize the capital chain and production chain.
Service demand
Small and micro enterprises are collectively referred to as small enterprises, micro enterprises, family workshop enterprises and individual industrial and commercial households, which was put forward by Professor Lang Xianping, the chief economist in China. Financing difficulties for small and micro enterprises have always been a "chronic disease" in the financial system.
According to statistics, small and micro enterprises in China have created 80% employment, 60% GDP and 50% tax revenue, and among all loans, the proportion of loans obtained by small and micro enterprises is only a little over 20%.
The report "Financing Development of Small and Micro Enterprises: Current Situation of China and Practice in Asia" shows that 59.4% of the borrowing costs of small and micro enterprises are between 5%- 10%. More than 40% of small and micro enterprises said that the borrowing cost exceeded 10%.
Small and micro enterprises are facing a more severe economic environment: the downward pressure on the domestic economy has increased. In the second quarter of 20 13, the development index of small and medium-sized enterprises in China was 93. 1, which was 2. 1 percentage point lower than that in the first quarter.
The sudden tightening of funds in the inter-bank market has made the operating conditions of small and medium-sized enterprises worse.
20 13 in the first half of the year, new loans for small and micro enterprises nationwide were10.03 trillion yuan, accounting for 42.6% of all new corporate loans, up 9.9 percentage points over the same period last year. The report shows that 78.6% of enterprises can repay on time.
However, the proportion of "partially repaid" and "unpaid" loans reached 10.3%, and the proportion of enterprises that repaid loans after the extension reached 1 1. 1%, showing the potential pressure of rising non-performing loans, while the proportion of enterprises less than three years was only 69.4%.
Only 7 1 .6% of enterprises with total assets below110,000 can repay the loan on time.