The differences between Anhui Rural Credit Cooperative debit card and Yidai Card are as follows:

1. Different characteristics

After debit card customers obtain a credit limit, they will According to the provisions of the agreement, you can decide how to use the quota and the time for performance of the contract by yourself, without having to submit it to the credit bank for approval one by one, thus avoiding the time required for single credit approval.

The Easy Loan Card can be used repeatedly, so the formulation of corporate financial plans becomes more clear and organized, and there is no need to specially arrange funds for regular business.

2. Different objects

Debit card customers must be large and medium-sized manufacturing enterprises, import and export enterprises, commercial enterprises or joint ventures with good operating and financial conditions, and the development of their industry It has good prospects and has a competitive advantage in the industry;

Easy Loan Card customers must comply with the "General Rules for Loans" and the commercial bank's credit management policy and the basic conditions and requirements for borrowers;

3. The processing procedures are different

It is necessary to collect basic data and information from debit card customers, including requests for credit limit approval, business licenses for annual inspection procedures, loan certificates, and financial statements for the past three years. .

Yidaika collects the guarantor’s business license, financial statements for the past three years, a list of mortgages (pledges), value assessment documents, property ownership certification documents, and the reporting unit’s review of mortgages (pledges) Property inspection report.

4. Things to note are different

Debit cards cannot be used hastily. Both parties need to have a certain trust relationship. When signing a contract online between an individual and an organization, it is generally necessary to find a well-known company with a certain scale. company.

The developers of the Yidai Card Maintenance Unidentified Purchase software often make some relatively rudimentary mistakes due to lack of legal knowledge. Sometimes the person who signs the contract on behalf of the developer is not the legal representative, or the software developer on the contract is not the land owner of the property. These are issues that may cause the contract to be invalid.

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-Debit Card