(1) Gold card worth RMB 200,000 (2) Platinum card worth RMB 500,000 (3) Black gold card worth RMB 3 million

The CCB credit card level is: CCB based on credit card applicants Different levels of credit cards are issued based on criteria such as social status, economic strength, purchasing power, and credit rating.

China Construction Bank (CCB, CCB) was established on October 1, 1954. The head office is located at No. 25 Financial Street, Beijing. It is a large state-owned bank managed by the central government and one of the four major banks in China. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches in Hong Kong, Taiwan, Melbourne and other places. It owns CCB Funds, CCB Leasing, CCB Trust, CCB Life, and Sino-German Housing. Sberbank, CCB Asia, CCB London, CCB Russia, CCB Dubai, CCB International and other subsidiaries provide customers with comprehensive financial services.

China Construction Bank has a broad customer base and maintains banking business relationships with a number of large enterprise groups and leading enterprises in China's strategic economic industries. Its marketing network covers major regions across the country. On June 30, 2016, the British "Banker" magazine released the "Ranking of the World's 1,000 Largest Banks", and China Construction Bank ranked second. In February 2017, Brand Finance released the 2017 Global Top 500 Brands list, with China Construction Bank ranking 14th. In 2018, it ranked 31st among the Fortune Global 500.

Business

Credit funds loans, resident savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgage loans and other businesses.

Type introduction:

1. Personal housing loan business?

Personal housing loan business refers to China Construction Bank or China Construction Bank accepting entrustment to provide loans to cities and towns in mainland China. Loans issued to natural persons who purchase, build, or overhaul various types of houses. China Construction Bank's personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trade loan housing loans, that is, second-hand housing loans, personal commercial housing loans, personal housing mortgage loans, etc.) , provident fund personal housing loans and personal housing portfolio loans.

Starting on October 9, 2014. CCB supports the reasonable housing loan needs of households. For households purchasing their first home with a loan, the minimum down payment ratio is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark loan interest rate. It is determined based on the borrower's home purchase situation, credit record, repayment ability and other factors. ?[39]?

2. Credit card business

As one of the earliest state-owned banks in China to issue credit cards, China Construction Bank already has many types of credit cards.

The credit cards issued by China Construction Bank are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Master Cup) Tennis Card.

3. Silver Star International Money Transfer

CCB Silver Star International Money Transfer Business is a personal international money transfer business jointly launched by China Construction Bank and Silver Star International Money Transfer Company. Upon entrustment by customers, CCB provides small-amount international remittance business through Silver Star Express Company to pay personal overseas foreign exchange remittances or remit personal foreign exchange funds overseas.

4. Service situation

While consolidating the advantages of traditional businesses, emerging businesses such as investment banking have developed rapidly. In 2008, they achieved revenue of 3.203 billion yuan. By promoting the initial public offerings and repurchases of enterprises, New financial advisory businesses such as financing, mergers and acquisitions, equity investments, and project financing continue to expand financial advisory customers such as AA-level and above customers, multinational companies, foreign banks, large and medium-sized enterprises, etc. Only the financial advisory business achieved fee income of 2.377 billion yuan, an increase of Up to 165.10.

A series of financial products tailored for small businesses continue to be introduced. By 2008, the bank's small business loan balance reached 249.532 billion yuan, an increase of 11.16% from the beginning of the year. Cooperated with Alibaba to develop products such as e-commerce joint loan and guarantee, Quick Loan and order financing, and issued loans of 520 million yuan to 175 customers within half a year.

The Bank was the first among its mainland peers to create a "Customer Reception Day" system, establishing a mechanism for managers at all levels from the head office, branches and sub-branches to regularly receive customers, making progress in personalized and differentiated customer services. On the one hand, branch transformation has been steadily promoted; on the other hand, a team of private banking consultants and experts has been established, and 81 wealth management centers and more than 1,570 financial management centers have been built. Private banks in Beijing and Shanghai have successively opened to provide exclusive financial management for mid-to-high-end customers. Comprehensive and personalized services such as products, asset management, consulting, and charitable trusts.

In serving the Olympic Games in 2008, in addition to actively handling foreign-related financial services such as foreign currency exchange, traveler's checks and foreign currency acceptance, it also launched the 95533 multi-lingual telephone banking service function to provide overseas customers with English, French , German, Russian, Japanese, Korean and other multi-lingual service support, and strive to improve the ability and level of serving overseas customers in China. At the same time, the mutual fee-free ATM cash withdrawal service developed in cooperation with Bank of America allows athletes and tourists holding Bank of America debit and credit cards to enjoy fee-free cash withdrawal services at CCB ATMs.

Reference: Baidu Encyclopedia-China Construction Bank