Because Guangfa Bank usually has a three-day grace period, repayment within the grace period is not a breach of contract, and there will be no bad credit record. As long as the accumulated repayment amount reaches the bill amount or the minimum repayment amount before the repayment date, even if the repayment is three days late, there will be overdue records on the fourth day.
However, if only the minimum repayment amount is made, the interest will be calculated in full, and the interest will be calculated at five ten thousandths per day.
Extended data:
China guangfa bank was established in September 1988 with a registered capital of RMB114.08 million, and its headquarters is located at No.713, Dongfeng east road, Yuexiu district, Guangzhou, China. Approved, Guangdong Development Bank, as a national pilot bank for financial system reform, was established on the beautiful Pearl River and is one of the earliest joint-stock commercial banks in China.
On April 8, 20 1 1, with the approval of the regulatory authorities and relevant government departments, the original registered name of Guangdong Development Bank Co., Ltd. was changed to "Guangfa Bank Co., Ltd.". The English name was changed to "China Guangfa Bank" (hereinafter referred to as "Guangfa Bank").
By the end of June 2020, the total assets of Guangfa Bank were 28 1 trillion yuan, an increase of 6.84% compared with the beginning of 2020; The total liabilities were 2.59 trillion yuan, an increase of 7.02% compared with the beginning of 2020. In the first half of 2020, Guangfa Bank achieved an operating income of 40.907 billion yuan and a net profit of 6.486 billion yuan.
On March 9th, 2020, "Top 20 19 China Banking 100 Ranking" was released, and Guangfa Bank ranked 16.
After years of rapid development, the strength of Guangfa Bank has been further enhanced. At the end of 20 10, the total assets of the Bank were 81439 billion yuan (RMB, the same below), an increase of1479.03 million yuan or 22.19% over the beginning of the year; The accumulated net profit of the whole bank in 20 10 was about 665,438+89 million yuan, an increase of 2,802 million yuan or 82.73%.
20 1 1 year, the profit of Guangfa Bank reached a new high, with a net profit of 9.586 billion yuan, up 54.89% year-on-year. By the end of 20 1 1, the total assets of the whole bank were 9189.82 million yuan.
The business scope of Guangfa Bank is all banking business stipulated in the Commercial Banking Law, which mainly includes: absorbing public deposits and issuing short, medium and long-term loans; Handle settlement; Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Providing letter of credit services and guarantees; Acting for payment and insurance agency business; Provide safe deposit box service; Foreign exchange deposits; Foreign exchange loans; Foreign exchange remittance; Foreign currency exchange; International settlement; Settlement and sale of foreign exchange; Inter-bank foreign exchange lending; Acceptance and discount of foreign exchange bills; Foreign exchange loans; Foreign exchange guarantee; Issuing foreign exchange credit cards; Buying and selling foreign currency securities other than stocks and acting as an agent; Issuing and acting as an agent to issue foreign currency securities other than stocks; Self-operated and valet foreign exchange transactions; Acting as an agent for issuing and paying foreign credit cards; Offshore financial business; Credit investigation, consultation and witness business.