Full refund: the installment is not cancelled, and the handling fee is fully refunded. Full refund is returned to the user by transfer, and the repayment amount and number of installments remain unchanged;

Partial refund: the installment is not cancelled, and the partial refund is returned to the user by transfer, and the repayment amount and the number of installments remain unchanged.

Principal 1000, handling fee 200, divided into three installments.

Full refund: 1, 200, user bill plus 1, 200, no installment cancellation, 1, 200 divided into three installments, and each installment is still 400.

Partial refund: 400 yuan, the user's bill plus 400 yuan will not be cancelled in installments. 1200 yuan is divided into three installments, and each installment is also 400 yuan.

China Everbright Bank (China Everbright Bank) was established in August, 1992. It is a national joint-stock commercial bank approved by the People's Bank of China and headquartered in Beijing. China Everbright Bank was listed on the Shanghai Stock Exchange in August 20 10 and on the Hong Kong Stock Exchange in February 20 13.

By the end of June, 20021,China Everbright Bank had set up 1299 branches all over the country, realizing the full coverage of the service network of provincial administrative regions, with outlets radiating to 149 economic center cities all over the country. In the 20021annual "Top Global Banks 1000" list, China Everbright Bank ranked 32nd.

To speed up the international layout, Hong Kong Branch, Seoul Branch, Guangyin International, Guangyin Europe and Luxemburg Branch have successively opened for operation, and Sydney Branch has applied for the establishment, with increasingly prominent social responsibilities. Supporting the "Mother's Water Cellar" public welfare activities for many years has had a great impact on society; In the "Global 1000 Big Banks Ranking" published by The Banker magazine in 20 17, China Everbright Bank ranked 49th. Ranked 39th in the "ranking of global 1000 big banks" published by the British "Banker" magazine in 20 18, which was 10 higher than the ranking in 20 17.

20 19 12 18, ranking 73rd in the People's Daily's "China Brand Development Index" 100 list. In March 2020, it was selected as one of the top 500 global brands in 2020 184. In April 2020, the Ministry of Finance approved Everbright Group to issue additional shares to central huijin Investment Co., Ltd., and Huijin Company transferred its 10255438+0 billion A shares to Everbright Group.

Everbright Bank is a medium-sized bank with excellent quality.

In 2009, non-interest income accounted for nearly 20%, only lower than investment promotion and people's livelihood. Retail banking will develop rapidly. In 2009, its cost-income ratio was 39.3%, only higher than that of Shanghai Pudong Development Bank and Xingye, and China Everbright Bank was competitive in cost control.

Its non-performing loan ratio is relatively high, which was 1.25% in 2009, only lower than that of Huaxia. Its real estate industry and local financing platform risks are controllable.

The most famous brand of China Everbright Bank is Sunshine Finance. In 2009, the fee income of wealth management business was 676 million yuan, with a compound growth rate of 89.6% in the past three years. The suspension of bank-trust cooperation has little impact on its wealth management business and net profit.

Everbright Bank put forward the cultural concept of "creating value through effective risk management" and established a comprehensive risk management framework. Risk management is divided into two lines. The business line is assigned with a risk director, and each department of the risk line is responsible for controlling various specific risks. With the improvement of risk management ability, Everbright will increase the ratio of income to risk.

2065438+On March 28th, 2005, China Everbright Bank was formally split, and its wealth management business will set up a wholly-owned subsidiary.