The so-called "financial wisdom gold" innovative wealth management products refer to: the main cardholder who has used the Guangfa dual-currency or RMB single-currency credit card for more than 3 months (with a good credit card record) can apply to Guangfa Bank to withdraw a certain amount of cash in advance; After the approval is successful, the corresponding funds will be directly transferred to other bank savings accounts with the same name of the applicant. Save the cardholder 2.5% cash withdrawal fee and 0.05% daily interest, and illegally withdraw cash by credit card.

In order to curb the illegal cashing of credit cards, the Credit Card Center of Guangfa Bank (formerly Guangfa Bank) pioneered the "financial intelligence" business in China. "Finance" business is a kind of "emergency reserve fund" service provided by Guangfa Bank Credit Card Center for cardholders. Credit card holders with good credit records can apply for cash advance to Guangdong Development Bank Credit Card Center.

/kloc-applications below 0/0000 yuan will not be accepted for repayment in six installments.

Financial industry refers to a special industry dealing in financial commodities, including banking, insurance, trust, securities and leasing.

1. Banking: In China, it refers to financial institutions that absorb public deposits, such as the People's Bank of China, regulatory agencies, self-regulatory organizations, commercial banks, urban credit cooperatives and rural credit cooperatives, as well as non-bank financial institutions and policy banks established in People's Republic of China (PRC).

2. Insurance industry: The insurance industry refers to the business that funds collected through contracts are used to compensate the economic interests of the insured. Insurance refers to the behavior that the applicant pays the insurance premium to the insurer according to the contract, and when the insured dies, is disabled and reaches the age and time limit agreed in the contract, the insurer shall be liable for the property losses caused by the possible accidents agreed in the contract.

3. Trust: Trust, banking, securities and insurance are also called the four pillars of the financial industry, and their original meaning is "entrusted by people to manage money on their behalf". According to the definition of trust in the first section of the first chapter of the Trust Law, trust "refers to the act that the trustor entrusts his property rights to the trustee based on his trust in the trustee, and the trustee manages or disposes in his own name for the benefit of the beneficiary or for a specific purpose, according to the wishes of the trustor."

4. Securities industry: The securities industry is a specialized industry that serves securities investment activities. Securities are all kinds of property ownership or creditor's rights certificates, which are used to prove that the holders of securities have the right to obtain relevant rights and interests according to the contents contained in the face value. Therefore, the essence of securities is a transaction contract or contract, which gives the contract holder the right to take corresponding actions on the subject matter agreed in the contract and obtain corresponding benefits according to the provisions of the contract.

5. Leasing industry: it is an operating industry that provides credit services by combining financial credit with material credit. The general leasing activity is that the lessor rents the material materials it owns to others under certain conditions, and the lessee pays the rent according to the regulations during the use period.