The differences between Wonderful Loan of Guangfa Bank and Caizhijin are as follows:

1. Wonderful Loan is a large consumer credit product; Financial fund (reserve fund) is a credit card service that provides cardholders with overdraft transfer and installment repayment.

2. Wonderful loan is calculated on a daily basis, with equal principal and interest repaid on a monthly basis (6/12/18/24/36 installments are optional), and daily interest = remaining unpaid principal × daily interest rate; As for the financial gold, the cardholder applies for a cash advance from Guangfa Bank, and pays a certain handling fee, so as to repay the loan in monthly installments (3/6/12/18/24 installments can be applied, with the handling fee rate of .95% for each installment and .75% for the rest).

3. After the wonderful loan application is successful, the repayment date is the 1th of the following month (except for the last installment, which is the date corresponding to the lending date), and there is no charge for early repayment; If the financial intelligence fund repays in advance, it not only needs to repay the remaining outstanding principal in one lump sum, but also needs to pay the liquidated damages of 3% of the remaining outstanding principal in advance.

4. After the wonderful loan application is submitted, the examination and approval can generally be completed within ten minutes. If the examination and approval is successful, the loan funds will generally reach the designated bank account within two hours; As for the successful arrival time of the financial intelligence fund, it will arrive within 2 days if it is transferred to our bank account, and it will also arrive within 2 days if it is transferred to another bank account. Those with 5, yuan and above will be drawn within 2 working days.

The historical evolution of China Guangfa Bank:

1. At the beginning of its establishment

It was established in September p>1988 with a registered capital of 11.48 billion RMB, and its headquarters is at No.713 Dongfeng East Road, Yuexiu District, Guangzhou City, Guangdong Province, China. On November 8, 1993, Guangfa Bank opened a branch in Macau, and as the first bank opened by China joint-stock commercial banks in Hong Kong and Macao, it has general banking services.

2. Citigroup era

In p>26, Guangfa Bank successfully completed the reform and reorganization, and introduced foreign enterprises such as Citigroup and IBM Credit, as well as powerful domestic well-known enterprises such as China Life Insurance, State Grid and CITIC Trust. The newly introduced investor team obtained the controlling right and management right of Guangdong Development Bank. Guangdong Development Bank will take the opportunity of introducing domestic and foreign investors, improve its corporate governance and internal control mechanism, learn and draw lessons from advanced banking service concepts, management experience and product research and development and maintenance technologies, effectively improve its innovation ability and management level, provide quality financial services for the public and China's economic development, and strive to become a modern commercial bank with strong profitability, strong capital strength, excellent brand image, leading technology and advanced internal control, which will satisfy shareholders, customers and employees.