What is the situation with Agricultural Bank of China’s Golden Harvest Card?

The Jinsui Huinong Card Bar has an overdraft limit of 30,000 to 50,000 yuan. That is a national policy loan for rural people. You must have a rural household registration and private land at home, and the village must provide you with a certificate before you can apply.

The Agricultural Bank of China Golden Harvest Card is from the Agricultural Bank of China. It generally has the functions of depositing and withdrawing cash, transfer settlement, consumption, financial management, etc. Agricultural Bank of China’s Golden Harvest Card is divided into two major products: Golden Harvest Debit Card and Golden Harvest Credit Card. The Agricultural Bank of China Golden Harvest Card seems to have no expiry date.

Extended information:

The Agricultural Bank of China Golden Harvest Card is a general financial card issued by the Agricultural Bank of China with the functions of cash deposit and withdrawal, transfer settlement, consumption, financial management, etc.

Debit card product, online operation, real-time credit, no overdraft allowed, supplementary cards can be set up.

What is the use of the Agricultural Bank of China Golden Harvest Card?

1. The Agricultural Bank of China Golden Harvest Personal Card has basic functions such as cash deposits and withdrawals, transfer settlement, consumption inquiry, and collection and payment.

2. The Agricultural Bank of China Jinsui Personal Card also has financial management functions such as account management, investment management, and intermediary business agency.

Agricultural Bank of China Golden Harvest Card application process: fill in the personal settlement account application form and provide your valid identity document to the bank branch counter for application.

In addition to enjoying special discounts, the Agricultural Bank of China Golden Harvest Card charges an annual fee of 10 yuan per card every year; if the average daily balance of the card in each quarter is less than the local prescribed limit, a small amount account of 3 yuan will be charged each quarter. Service management fee; when applying for card opening or replacement, a 5 yuan cost fee is required; for inter-bank, non-local cash deposits and withdrawals, transfers and other services, charges will be based on the business charging standards stipulated by our bank.

Baidu Encyclopedia - Golden Harvest Card

What is the Golden Harvest Card?

The Golden Harvest Card is launched by the Agricultural Bank of China for users. Debit card, Golden Harvest quasi-credit card, Golden Harvest credit card. Among them, Jinsui debit cards include Jinsui Tongbao debit card, Jinsui card series products, Jinsui Huinong Card, Haitong Card, Xiangcai Card and various co-branded cards, etc., and then there are Jinsui quasi-credit cards and Jinsui credit cards. The card belongs to the credit card series.

When applying for a Jinsui debit card, users can go directly to the bank counter. The bank will charge a certain fee when opening the card, but the debit cards are divided into first, second and third types of accounts, among which The first type of account has the most powerful functions, including deposits, withdrawals, recharges and payments.

Users can apply for credit cards at Agricultural Bank of China through different channels, such as mobile banking, bank official website, bank counters, etc. It is worth mentioning that different users receive different credit limits when applying. The newly applied credit card can be activated and used later.

Users must return their credit cards on time after daily use of credit cards, and there must be no overdue payments, because overdue penalties will accrue and overdue records will be uploaded to the credit report center. If the credit report becomes bad, it will affect everyone. When dealing with various types of loans, such as car loans or housing loans, in fact, if you cannot repay the loan on time, you can use installment repayment or the minimum repayment amount.

What is the Agricultural Bank of China Golden Harvest Card and how much is the minimum?

All bank cards issued by the Agricultural Bank of China are collectively called the Golden Harvest Card. The credit limit of the Agricultural Bank of China Golden Harvest Card is determined by the card. There are different card verification standards for different levels, as follows:

1. Agricultural Bank of China Golden Harvest Credit Card General Card: The amount is generally less than 10,000 yuan, and the general card amount is between 3,000-8,000 yuan;

2. Agricultural Bank of China Golden Harvest Credit Card Gold Card: The amount is generally between 10,000 yuan and 50,000 yuan, and the general amount of the card is less than 20,000 yuan;

3. Agricultural Bank of China Golden Harvest Card Credit Card Platinum Card: The amount is generally above 50,000, 100,000, or one million.

Note that the actual credit limit is subject to the bank’s review results. The better the credit conditions, the higher the credit limit.

There are several types of Agricultural Bank of China’s Golden Harvest Credit Cards

The Golden Harvest Card is launched by the Agricultural Bank of China. Sui credit card, the latter two are credit cards.

Jinsui debit cards are divided into Jinsui Tongbao debit cards, gold card series products, Jinsui Huinong Card, Haitong Card, Xiangcai Card and various co-branded cards, etc. Jinsui debit cards need to be processed at the bank business hall.

When the Golden Harvest Card is a credit card, you can apply through different channels, such as bank counters, mobile banking, bank official websites, etc. When applying, the credit limits given by different channels may be different. It should be noted that, When applying for a credit card, you must ensure that your personal credit report is good, otherwise it will be rejected by the bank.

Mainland China

At the end of 2010, total assets exceeded 10 trillion yuan and reached 11.68 trillion yuan in 2011, accounting for 11.3% of the total assets of the country’s banking and financial industry. It is the largest and largest bank in China. One of the largest listed commercial banks in China and an important part of China's financial system. At the end of 2011, various deposits reached 9.62 trillion yuan, various loans were about 5.63 trillion yuan, the capital adequacy ratio was 11.94, and the core capital adequacy ratio was 9.75, both at relatively high levels. By the end of 2011, the non-performing loan ratio had dropped by 0.48 year-on-year respectively. , the provision coverage ratio was 263.1, an increase of 95.05, and all core indicators ranked at the forefront of domestic comparable peers. The Agricultural Bank of China's annual report also shows that its intermediary business has developed the fastest, with a net fee and commission income of approximately 46.128 billion yuan for the year, about 10.488 billion yuan more than the previous year, an increase of more than 30%. If the agency business of disposing of non-performing assets on behalf of the Ministry of Finance is excluded After fee income, this growth rate can be increased to 42.8, among which the growth rates of electronic banking, credit cards, investment banking, agency insurance and other businesses are all above 50.

In 2010, the Agricultural Bank of China achieved operating income of 290.418 billion yuan, a year-on-year increase of 30.7%; net profit was approximately 94.907 billion yuan, with a profit growth rate of approximately 46%; in 2011, the Bank achieved operating income of 377.731 billion yuan, a year-on-year increase of 30.1%, achieving a net The profit was approximately 122 billion yuan, a year-on-year increase of 28.5%, and the profit growth rate ranked first among the four major banks.

All core indicators have reached the leading level in the domestic financial industry, and Moody's long-term deposit rating/outlook is A1/stable.

In the first half of 2021, net operating income was 366.3 billion yuan, a year-on-year increase of 7.8%; net interest income was 283.4 billion yuan, a year-on-year increase of 6.1%; pre-provision profit was 249.7 billion yuan, a year-on-year increase of 7.8%. An increase of 7.8%; net fee and commission income was 48.15 billion yuan, a year-on-year increase of 8.8%; net profit was 122.8 billion yuan, a year-on-year increase of 12.5%. The return on average total assets (ROAA) was 0.88, and the weighted return on average equity (ROAE) was 12.40, a year-on-year increase of 0.03 and 0.46 percentage points respectively.

Overseas Development

The Agricultural Bank of China has formulated a medium- and long-term development strategy - "based on local operations and global operations", formulated an overseas development plan, and actively deployed in major international financial centers. In the next step, Agricultural Bank of China will continue to base itself on the domestic market, firmly grasp the three main lines of RMB internationalization, internationalization of corporate customers, and internationalization of financial assets, and carry out international institutional layout in a focused and step-by-step manner. In addition, Agricultural Bank of China has also become partners with Credit Agricole, Citibank, Hang Seng Bank, Standard Chartered Bank, and Bank of Montreal to cooperate in the fields of international payment global draft services and cross-border trade RMB settlement business, thereby building a global commodity futures trading team and become a mainstream force in this international market; through five to ten years of hard work, we strive to build Agricultural Bank of China into an international branch covering major financial markets around the world, capable of 24-hour foreign exchange capital operations and global foreign exchange cross-border clearing. Large commercial banks.

What is the credit card issued by Agricultural Bank of China?

Credit cards issued by Agricultural Bank of China are mainly divided into two categories: Agricultural Bank of China Golden Harvest Credit Card and Agricultural Bank of China Golden Harvest Credit Card.

Golden Harvest Credit Card focuses on innovation. According to different customer groups, it has successively launched standard series cards, official business card series, platinum cards and a variety of regional co-branded cards, special cards and other series of products to lead different customers. group needs.

The Agricultural Bank of China Golden Harvest Credit Card (quasi-credit card, hereinafter referred to as the Golden Harvest Credit Card) is a RMB credit payment instrument issued by the Agricultural Bank of China. It has the functions of depositing and withdrawing cash, transfer settlement and consumption, and can Enjoy certain overdraft facilities according to the regulations of the card issuing bank. Golden Harvest Credit Cards are divided into gold cards and ordinary cards according to different credit levels, and are divided into corporate cards and personal cards according to different issuing objects.

Huinong Credit Card has a powerful integrated debit and credit function. You can open current and multiple fixed-term sub-accounts, and deposit your own funds to obtain deposit interest; moreover, there is no need to go through other procedures after receiving the card , you can directly overdraft and use credit immediately within the credit limit approved by our bank, and flexibly arrange your own production and operation funds and manage family property

What is the Agricultural Bank of China Golden Harvest Card

The bank cards issued by Agricultural Bank of China are collectively called Golden Harvest Cards. The following are the types of Golden Harvest Cards:

1. Debit card: It has functions such as depositing and withdrawing cash, transfer settlement, consumption, and financial management. There is no expiration date and can be used for a long time.

2. Quasi-credit card: It has the functions of consumption, transfer settlement, cash deposit and withdrawal, etc. The minimum validity period of this card is 1 year and the maximum is 5 years (employee card is 5 years, other cards are generally 3 years) , and you can get a certain overdraft limit at the same time.

3. Credit card: It has functions such as consumer credit, cash advance, and repayment. You can enjoy interest-free repayment discounts. The validity period of the credit card is related to the type of card.

The Agricultural Bank of China (AGRICULTURALBANKOFCHINA, referred to as ABC, Agricultural Bank of China) was established in 1951. The head office is located at No. 69 Jianguomennei Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial level unit.

The Agricultural Bank of China is an important part of China's financial system. It provides a variety of corporate banking and retail banking products and services, and also carries out financial market business and asset management business. Its business scope also covers investment banking and fund management. , financial leasing, life insurance and other fields.

In February 2017, BrandFinance released the list of the top 500 global brands in 2017, and Agricultural Bank of China ranked 34th. In July 2018, the British "Banker" magazine released the list of the top 1000 global banks in 2018, and Agricultural Bank of China ranked 4th. In 2018, Fortune ranked 40th among the world's top 500 companies.

In December 2018, the World Brand Laboratory released the "Top 500 World Brands 2018" list, and Agricultural Bank of China ranked 340th. On July 22, 2019, the "Fortune" World Top 500 list was released , Agricultural Bank of China ranks 36th. In November 2019, it ranked 44th on the list of the top 100 Chinese enterprises along the Belt and Road Initiative.

In December 2019, Agricultural Bank of China was selected as one of the 100 Model Brands in the 2019 China Brand Power Ceremony. On December 18, 2019, it ranked 43rd on the People's Daily "China Brand Development Index" 100 list. On January 4, 2020, it won the "Sustainable Development Contribution Award" of the 2020 Finance Evergreen Award.

The logo used by the Agricultural Bank of China was launched on November 1, 1988.

The logo of the Agricultural Bank of China is circular and consists of ancient Chinese coins and wheat ears. Ancient money means currency and bank; ears of wheat mean agriculture, and they constitute the name elements of the Agricultural Bank of China.

The entire pattern is circular on the outside and square on the inside, symbolizing the standardized operation of Agricultural Bank of China as a state-owned commercial bank. The middle part of the wheat ear forms the character "田", and the shadow pattern clearly forms a half-shape, which directly expresses the characteristics of the Agricultural Bank of China. The wheat thorns point upward, opening the outer circle, giving people a sense of breakthrough, symbolizing the continuous development and progress of the Agricultural Bank of China.

The standard color of the company logo is green. The psychological characteristics of green are: natural, fresh, calm, comfortable, guaranteed, safe, trustful, reliable, fair, rational, ideal, and simple, which reminds people of nature, life, and growth; green is the original color of life. It symbolizes vitality, development, eternity and stability, expresses the integrity and efficiency of Agricultural Bank of China, and implies the vigorous development of Agricultural Bank of China.

The original author of the Agricultural Bank of China logo is Mr. Chen Hanmin.

That’s it for the introduction of what the credit card Golden Harvest Card is.