Caizhijin is owned by China Guangfa Bank.

The application method is simple. You only need to fill out the "Cai Zhi Fund Application Form" and attach relevant materials and submit it to the Guangfa Bank Credit Card Center. After successful approval, the center will allocate the funds within 7 working days.

The "Caizhijin" amount is directly transferred to the Guangfa Bank savings account designated under the cardholder's name for the cardholder's use. The cardholder can choose to divide it into 12, 24 or 36 installments (each Each month is one installment) and the repayment is interest-free and the handling fee for each installment is 0.6% of the initial principal.

The exclusive "Caizhijin" business of Guangfa Card is an "emergency reserve fund" service specially provided by Guangfa Bank Credit Card Center for cardholders. It requires no mortgage, no guarantee, and zero interest rate. It only charges corresponding fees. Credit card holders who meet the application conditions and have good credit records can apply for a sum of cash from Guangfa Bank Credit Card Center.

It is mainly used for the production and operation capital turnover of individual merchants and small business owners or the demand for bulk durable consumer goods, but it cannot be used for real estate, stocks, funds, futures or other equity investments. The minimum application amount is RMB 30,000 and the maximum is RMB 200,000.