Business hours of various branches of China Merchants Bank in Nanjing

Business hours of China Merchants Bank in Nanjing in winter: 9:00-16:00 (closed on Saturdays); 9:00 for corporate customers -12:00, 14:00-16:00. Summer business hours: 9:00-17:00 (closed on Saturdays); public 9:00-12:00, 14:00-17:00.

Banks are the main body of the modern financial industry and the hub of the operation of the national economy. There are many types of bank structures and organizational forms in modern capitalist countries. According to their functions, they are: central bank, commercial bank, investment bank, savings bank and various professional credit institutions. The word bank first originated from the Italian word Banko, which was translated into English as Bank. Banks in history developed from the currency management industry. The earliest banking industry originated from the currency exchange industry in ancient Western European society. The Babylonian temples in 2000 BC and the Greek temples in 500 BC were already engaged in the activities of keeping gold and silver, issuing loans, and collecting and paying interest. In 200 BC, money merchants and commercial institutions similar to banks appeared in the Roman Empire. A modern capitalist national banking system has basically been formed with the central bank as the center, joint-stock commercial banks as the main body, and various banks coexisting.

After the founding of the People's Republic of China, after several reforms, a banking system with the central bank, banking regulatory agencies, policy banks, commercial banks and other financial institutions as the main body has been formed. The People's Bank of China is China's central bank. Under the leadership of the State Council, the People's Bank of China formulates and implements monetary policies, prevents and resolves financial risks, maintains financial stability, and provides financial services. The China Banking Regulatory Commission is the banking regulatory agency responsible for Supervise local banking financial institutions; policy banks are institutions initiated and funded by the government to carry out financing and credit activities in order to implement and cooperate with the government's specific economic policies and intentions;

Commercial banks generally refer to Profit-making institutions that accept deposits, extend loans and engage in other intermediary businesses, including wholly state-owned commercial banks, joint-stock commercial banks and city commercial banks, as well as housing savings banks, foreign-funded and joint venture banks. Other financial institutions include: credit unions, financial asset management companies, trust investment companies, finance companies, leasing companies, etc.

Does Nanjing China Merchants Bank have to go to Nanjing to apply?

If you are applying for a loan from Nanjing China Merchants Bank, you must go to Nanjing to apply for it. If you do not go to the bank counter to apply for the loan, you will not be able to apply for the loan.

This is the situation when applying for a bank loan.

The conditions for bank loans are as follows:

Have a fixed residence, or have a permanent residence in a local town (or valid residence certificate), or have a fixed business location and have full capacity for civil conduct. Citizen;

Have a legitimate occupation and stable economic income, and have the ability to repay the principal and interest of the loan on time;

No bad credit record;

The loan cannot be used Stock trading, house purchase, etc.;

Other bank conditions stipulated by the lender.

Article 3 of the "General Principles of Loans" stipulates that the issuance and use of loans should comply with national laws, administrative regulations and administrative rules issued by banks, and should follow the principles of efficiency, safety and liquidity.

Nowadays, more and more people have begun to have the concept of early consumption, so once there is a need for funds, it will inevitably involve borrowing. Under normal circumstances, applying for an individual loan from a bank needs to meet the following conditions.

Citizens who have a fixed residence in the location of the lending bank, have a permanent residence or a valid residence certificate, are under the age of 65 (inclusive), and have full capacity for civil conduct;

have a legitimate occupation and stable income, with the ability to repay the principal and interest of the loan on time;

Have a good credit record and willingness to repay, and no bad credit record;

Be able to provide legal and effective credit cards recognized by the bank , Reliable guarantee;

Have a clear loan purpose, and the loan purpose complies with relevant regulations;

Other conditions stipulated by the bank.

What are the loan requirements?

Generally, for loan types such as personal comprehensive consumption loans and personal credit loans, the conditions for applying for a loan are largely based on the individual’s experience with the bank. Loans are issued based on your credit accumulation. At this time, when applying for a loan, try to submit some materials that can increase your credit, such as academic certificates, income certificates, etc. The higher the accumulated credit, the larger the loan amount.

The personal credit report must be good

The first prerequisite for a loan is that the personal credit report is good. If the credit report is bad or has been spent, the loan will definitely be rejected during the loan review. Therefore, maintaining a good personal credit record is an important prerequisite for a loan.

How to keep your personal credit score in good condition?

01

Don’t be overdue

Whether it is repaying a credit card after swiping the card for consumption or repaying a mortgage, you must be careful not to overdue the payment. If it is overdue, not only will penalty interest be incurred, but the consumption record will also be saved in the personal credit system. Then when applying for a loan, it is easy to be rejected during the review.

02

Too many sleep cards

Many people always think that after applying for a credit card, it will not be affected if they do not activate or use it. In fact, if the credit card applied for is not activated, as long as the credit card is approved and the card is opened or not, it will be recorded in the cardholder's personal credit reporting system, and it will be affected if you want to apply for a credit card from this bank in the future. Certain cards have annual fees even if they are not activated. If you neglect this point, it is likely to result in credit card arrears and overdue payments, resulting in a bad credit record.

03

Delinquent payment of living expenses

The new version of the personal credit system has been launched, and all kinds of water and electricity bill payments, telephone bill payments, etc. in life are all available. Personal credit record.

Once you do not pay on time, or even subway fare evasion occurs, in this era of real-name system and the Internet, all your records will be recorded in your personal credit report, which will inevitably cause a bad credit report.

Only maintaining a good personal credit record is the prerequisite for a smooth loan!

Farewell to the White House

Many people always think that if they have never taken out a loan and their credit report is good, then the loan will be disbursed smoothly. However, the fact is that users who have never taken out a loan are will also be rejected.

Why? A white bank account refers to a person who has not applied for a loan or credit card from any financial institution, and whose personal information has not been entered by the Credit Information Center of the People's Bank of China.

Usually for bank accounts, when you apply for a loan, the bank or financial institution cannot inquire about your spending power, repayment ability and credit status, and cannot make objective and reasonable judgments.

Therefore, it is much more difficult for a white household to apply for a loan than for a customer with a credit record. Without a personal credit record, the bank cannot guarantee whether the borrower can repay the loan in full and on time. In order to control Banks have their own credit risks and will generally be cautious in lending. Even if they agree to lend, the amount will not be ideal.

Therefore, it is also necessary to obtain appropriate loans and handle credit cards reasonably.

How to get a large loan?

01

Don’t be overdue

Under normal circumstances, the flow rate of the salary issuance bank and the level of salary reflect an individual’s income strength to a large extent. . Those with high salaries can easily be listed as high-quality customers. Not only can they apply for a higher credit card limit, but they can also easily disburse money when applying for a loan, and the limit will also be higher.

Like the bank that distributes my salary on behalf of me, our company is first included in the bank’s high-quality corporate services, and then our personal salary and year-end bonus are all distributed through the bank, and thus we are included in the bank’s service. Among the high-quality customers, I not only have the highest credit card limit, but also a loan limit of hundreds of thousands, and the approval is also fast.

02

Increase bank flow

What is bank flow? In fact, bank statements refer to the deposit and withdrawal transaction records of bank current accounts (including current passbooks and bank cards), also called bank account transaction statements.

Bank flow includes three parts: salary flow, transfer flow, and self-deposit flow.

Bank turnover is not equal to salary turnover! When many people take out loans because they don't have a house, a car, or a job, their card application is always rejected because of bank flow.

How to increase bank flow?

A. Methods of depositing and withdrawing money

For individuals with insufficient bank flow, the deposit and withdrawal method can be used to improve bank flow records. Under normal circumstances, some people make deposits and withdraw money on the same day in order to have bank flow. Such behavior is invalid.

The correct way to deposit and withdraw money is to first deposit a large amount of funds into the bank. The larger the amount of funds, the better according to personal ability, and then withdraw small amounts one after another at a later stage. Be sure not to take it out on the same day.

B. Time to save money

If you want to improve bank flow, it cannot be completed in a day or two, but it will accumulate gradually during the day, so pay attention to your usual deposit and withdrawal methods.

If you have a small amount of funds, you can choose the fixed deposit mode or the zero deposit mode. That is, in addition to depositing a similar amount at a fixed time every month, points will be added if there are other sporadic deposits.

So, pay attention to the way you usually deposit and withdraw money, and gradually accumulate bank balances step by step, at least for 1-3 months.

With high bank turnover and large deposits, it is easy for the bank to be included as a high-quality customer, and it will be easier to get approved for a loan, and the amount will naturally increase.

03

Provide sufficient proof of assets

The most critical point in whether a loan is approved is that the bank looks at your repayment ability. If you have enough assets, it means you have strong consumption and repayment capabilities, which will naturally make it easy to get approval. The amount of assets determines the amount of the loan to a large extent. Therefore, asset certification materials are very critical.

In addition to salary income, proof of assets is also a plus. If the loan applicant has fixed assets such as houses and cars in his name, or large insurance policies, stocks, etc., he can get extra points. The provision of these asset certificates enables borrowers to obtain high-amount and low-interest loans.

If you want to apply for a large loan, you can refer to the above methods to apply for a loan.

Nanjing China Merchants Bank Outlets

Outlet Name Address Savings Telephone Savings Business Hours

Changfu Street Branch No. 85-7 Changfu Street, Baixia District 025-842927669 : 00-17:30 (all year round)

Hanzhongmen Branch No. 48, Hanzhongmen Street 025-865871009: 00-17:30 (all year round)

Longjiang Branch Nanjing City No. 9, Sunshine Plaza, Caochangmen Street 025-862975559: 00-17:30 (cash) - 20:00 (non-cash)

Gulou Branch, No. 29 Dashiqiao, Nanjing 025-831966009: 00-17: 30 (all year round)

Branch Business Department, No. 1 Hanzhong Road, Nanjing City 025-847972699: 00-17:30 (all year round)

Maigaoqiao Branch, Heyan Road, Nanjing City No. 291 025-856078569: 00-17:00 (all year round)

Hunan Road Branch No. 187, Hunan Road, Nanjing 025-833371119: 00—17:30 (all year round)

Jiangning Branch, No. 77, Dajie East Road, Jiangning District, Nanjing City 025-511950009: 00-17:00 (all year round)

Chengxi Branch, No. 15 Xikang Road, Nanjing City 025-833968239: 00-17:30 ( All year round)

Chengbei Branch, No. 206, Zhongshan North Road, Nanjing City 025-833480029:00-17:30 (All year round)

Chengdong Branch, No. 472, Zhongshan East Road, Nanjing City 025 -847938179: 00—17:30 (all year)

Chengnan Branch No. 352, Zhongshan South Road, Nanjing 025-528557009: 00—17:30 (all year)

Zhujiang Road Branch No. 280, Zhujiang Road, Nanjing 025-833732859: 00-17:30 (all year round)

Place address number function type business hours

Changfu Street Branch Self-Service Bank Baixia District Chang Cash withdrawal lobby 2, No. 85-7, Fu Street 24 hours

Chengxi branch lobby 1, cash withdrawal lobby, No. 65 Beijing West Road 8:30-18:00

Longjiang Community Self-service Bank Caochang Gate 24-hour cash withdrawal lobby at No. 1 Waidajie Road 24 hours a day

24 hours a day at No. 1 cash withdrawal hall through the wall at No. 88 Changjiang Road, Provincial SDIC

8:30 8:30 —22:00

The self-service bank of Maigaoqiao Branch and No. 2 withdrawal hall of Yan Road 24 hours 24 hours

Hunan Road Branch No. 187 Hunan Road 2 withdrawals go through the wall 24 hours

Qingliangmen Self-Service Bank, No. 57-5, Huacaiyuan, 2, withdraw money through the wall 24 hours a day

Nanjing Chemical Plant Staff Dormitory, Chemical New Village Building 12, 1st floor, Nanhua Store 1, withdraw money 24 hours a day in the lobby

Zhushan Road Self-Service Bank, No. 88, Zhushan Road, Jiangning District, 2 withdrawals go through the wall 24 hours a day

Jin Runfa Supermarket (next to the elevator on the second floor), No. 260 Longpan Middle Road, 1 withdrawal lobby 10:00-20:00

Meishan Self-service Bank is open 24 hours a day at the withdrawal hall No. 1, No. 1 Wenhao Road, Meishan

The branch business department is open 24 hours at the withdrawal hall No. 2, No. 1 Hanzhong Road, Nanjing

Financial Service Center Self-Service Banking 24 hours in the cash withdrawal lobby, No. 1 Hanzhong Road, Nanjing

Hanzhongmen Branch Self-service Bank 24 hours in the withdrawal lobby 2, No. 48 Hanzhongmen Street, Nanjing

Jiangning Branch Self-service Bank, No. 2, No. 77 Dajie East Road, Jiangning District, Nanjing City, 24 hours a day at the withdrawal hall 2

Central Gate Self-service Bank, No. 2 Longpan Road, Nanjing City, 24 hours a day with withdrawals through the wall

Nanjing Normal University Duty room at the main gate of Nanjing Normal University 1 Withdraw money through the wall 24 hours

Qijiaqiao Self-service Bank Room 102, Building 10, Qijiaqiao 2 Withdraw money through the wall 24 hours

Jiqingmen Self-Service Bank Shuangtang, Qinhuai District Receive 2 withdrawals from No. 5-1 Xianhe Street 24 hours a day

Place address number function type business hours

No. 69 Shigu Road, Jiaotong Building 1

Cash withdrawal lobby 8:30-18:00

Withdraw money through the wall at No. 1, No. 279, Taiping South Road, Taiping Mall, 24 hours a day

Withdraw money, No. 1, Yongqing Lane, Wutaishan Self-service Bank, 24 hours a day

No. 26, Zhongshan North Road, the first floor stairway of Dapeng Securities, 1 withdrawal goes through the wall for 24 hours

No. 623, Zhongshan North Road, Xiaguan Power Plant, 1 withdrawal goes through the wall 24 hours

Chengnan Branch Self-service Bank, No. 352, Zhongshan South Road, 2, cash withdrawal lobby 24 hours

Zhongyang North Road Self-service Bank, No. 80, Central North Road, 2 cash withdrawal, 24 hours through the wall

Jiangsu TV Station, Beijing East Road No. 1 Deposit Lobby 24 hours

Longjiang Community Self-service Bank No. 1 Caochangmenwai Street Deposit Lobby 24 hours

Gulou Branch Self-service Bank No. 2 Dashiqiao No. 1 Deposit Lobby 24 hours

No. 2, Deposit Lobby, No. 45, Foxinqiao, Fugui Commercial Building Self-service Bank, 24 hours a day

Gupinggang Self-service Bank, Building 4-11, No. 1, Gupinggang Self-service Bank, 24 hours a day

Self-service area (lobby) of Hunan Road Branch, Deposit Hall 1, No. 187, Hunan Road 8:30-20:30

Deposit Hall 2, No. 88 Jiankang Road, Confucius Temple Self-service Bank 24 hours

Jianning Road Self-Service Bank, No. 90, Jianning Road, Deposit Lobby 24 hours 1 Bank, No. 3, Nanhu Road, Deposit Hall 1, 24 hours

Xiaguan Self-service Bank, No. 1, Rehe Road, Deposit Hall 2, 24 hours

Ruijin Road Self-Service Bank, No. 19, Ruijin Road, Deposit Hall 1, 24 Hours

No. 1, Deposit Lobby, No. 211, Taiping South Road, Kowloon Building Self-Service Branch 24 hours

Place Address Number of Counters Function Type Business Hours

Chengbei Branch Self-service Area No. 206, Zhongshan North Road No. 1 Deposit Lobby 8:30-18:00

Zhongshan North Road Self-service Bank No. 1 Deposit Lobby 24 hours, No. 53 Zhongshan North Road

Chengdong Branch Self-service Bank No. 472 Zhongshan East Road 1Deposit lobby 24 hours

Guangzhou Road Self-service Bank Off-line Branch Business Department No. 223, Guangzhou Road 025-83719732

Qingliangmen Self-service Bank Off-line Branch Business Department Huacaiyuan 57 - No. 5 025-86306109

Zhushan Road Self-service Bank Off-line Branch Business Department No. 88 Zhushan Road, Jiangning District 025-52168517

Provincial TV Station Self-service Bank Off-line Branch Business Department Nanjing No. 4, Beijing East Road, Nanjing City 025-83604144

Longjiang Self-Service Bank Branch Branch Business Department, No. 1 Caochangmenwai Street, Nanjing City 025-86297555

Nangang Self-Service Bank Branch Off-line branch business department, Room 103, No. 68, Ninggang Road, Nangang Er Village, Dachang District, Nanjing City 025-57043226

Fufu Road Self-Service Bank Off-line Branch Business Department, No. 36 Fufu Road, Nanjing City 025-84202629

Housaimen Self-service Bank Off-line Branch Business Department, No. 44 Foxinqiao, Nanjing 025-84811596

Guaiyilang Self-service Bank Off-line Branch Business Department, Nanjing Guiyilang No. 28-3025 -84700076

Gupinggang Self-service Bank Off-line Branch Business Department, No. 1, Gupinggang, Nanjing 025-83730891

Jianning Road Self-service Bank Off-line Branch Business Department, Jianning, Nanjing No. 90, Road 025-85549669

Central Gate Self-service Bank Off-line Branch Business Department, No. 2 Longpan Road, Nanjing 025-85617551

Nanhu Self-service Bank Off-line Branch Business Department, Nanjing No. 3, Nanhu Road, 025-89003

Jinshajing Self-Service Bank Off-the-shelf Branch Business Department, No. 93, Building 06, Qin Zhuangyuanli, Nanjing 025-52328969

Xiaguan Self-service Bank Off-the-shelf Branch Off-line branch business department, No. 1, Rehe Road, Nanjing, 025-58771793

Ruijin Road Self-service Bank, Off-line branch, Business Department, No. 19, Ruijin Road, Nanjing, 025-8464206

2

Off-line branch business department of Yueyahu Self-service Bank No. 165, Shimenkan, Nanjing 025-84640307

Off-line branch business department of Taipingmen Self-service Bank No. 025, No. 10, Taipingmen Street, Nanjing -84802090

Kowloon Self-service Bank Off-line Branch Business Department No. 211 Taiping South Road, Nanjing 025-84418015

Wutaishan Self-service Bank Off-line Branch Business Department Nanjing Yongqing Lane 1- No. 6 025-86562069

Name Category Management Bank Name Address Business Helpline

No. 025, Building E, No. 522, Zhongshan East Road, No. 52 Self-service Bank Branch, Business Department, Nanjing City -84608922

Room 102, Building 10, Qijiaqiao Self-Service Bank Branch Business Department, Room 102, Qijiaqiao 025-83327919

Jiqingmen Self-service Bank Off-line Branch Business Department, Qinhuai District Shuangtang received No. 5-1, Xianhe Street, 025-52265177

Meishan Self-Service Bank Off-the-shelf Branch Business Department, Shanghai Meishan Iron and Steel Company, No. 1 Wenhua Road, 025-86703994

Zhongshan North Road Self-service Bank Off-the-shelf Branch Off-line branch business department, No. 53, Zhongshan North Road, 025-83307621

Zhongshan North Road Self-service Bank, Off-line branch business department, No. 80, Zhongshan North Road, 025-85629809

Self-service of Changfu Street branch Bank off-line Changfu Street Branch No. 85-7 Changfu Street, Baixia District 025-84292766

Chengxi Branch Self-service Bank Off-line Chengxi Branch No. 65 Beijing West Road, Nanjing 025-83396823

Longjiang Branch Self-service Banking Non-offline Longjiang Branch Nanjing Caochangmen Street Sunshine Plaza No. 9 025-86297555

Gulou Branch Self-service Banking Non-offshore Gulou Branch Nanjing Dashi No. 29 Qiao 025-83196600

Branch Business Department Self-Service Banking Non-offline Branch Branch Business Department No. 1 Hanzhong Road, Nanjing 025-84797269

Financial Service Center Self-service Banking Non-offline Branch Business Department, No. 1 Hanzhong Road, Nanjing City 025-84797342

Hanzhongmen Branch Self-service Bank Non-offline Branch Business Department No. 48 Hanzhongmen Street, Nanjing City 025-86587100

Maigao Qiao Branch Self-Service Banking Off-line Maigaoqiao Branch No. 291 Heyan Road, Nanjing 025-85607856

Hunan Road Branch Self-service Banking Off-line Hunan Road Branch No. 187 Hunan Road, Nanjing 025-83337111

Jiangning Branch Self-Service Banking Off-line Jiangning Branch No. 77, Dajie East Road, Jiangning District, Nanjing City 025-51195000

Chengbei Branch Self-service Banking Off-line Chengbei Branch Nanjing Zhongshan North No. 206, Zhongshan Road 025-83348002

Chengdong Branch Self-Service Banking Non-offline Chengdong Branch No. 472 Zhongshan East Road, Nanjing 025-84793817

Chengnan Branch Self-service Banking Non-Offline Chengnan Branch, No. 352, Zhongshan South Road, Nanjing 025-52855700

Zhujiang Road Branch Self-service Banking Non-offline Zhujiang Road Branch No. 280, Zhujiang Road, Nanjing 025-83373285

A subsidiary of China Merchants Bank Is the loan center reliable?

As long as it is a formal banking institution, their various loan centers are reliable, but the centers are different, the loan objects, and the types of loans are different. As long as you are optimistic about the loan terms when taking out a loan, don't worry!