In 20 14, 67 wealth management products were sold, and all the wealth management products due in each period reached the expected income.
"Developing Wealth" series of wealth management products won the honor of "the most popular bank wealth management products of the year" in the "Eighth General Financial Evaluation List" published by New Culture News on February 14+02. The specific meaning of "time loan school" is: the collection of fast financing products, highlighting the relative advantages of "simplicity, convenience and speed" of financing for small and micro enterprises, and "time" means "timeliness" and highlighting the characteristics of "speed"; "Loan" is the characteristic, namely "financing function"; "Pie" means faction and assembly. "Time Loan School" products are mainly featured products for financing small and micro enterprises. The financing brands are 1 1 sub-products:
1 "quick and easy loan" refers to the loan of less than 5 million yuan (including) for a single household to small and micro enterprises, individual industrial and commercial households or legal persons (shareholders) in the form of mortgage of houses, commercial houses and office buildings or guarantee of guarantee companies.
2. "Taxi time loan" refers to the loan granted to the rental operation company for purchasing operation procedures and operating vehicles with the "taxi operation right" as the pledge guarantee.
"All-in-one loan" refers to a financing business in which a customer applies for a mortgage loan from a bank with his own property or a property owned by a third party as collateral, and at the same time continues to provide the residual value of the collateral to the guarantee company as counter-collateral, and the guarantee company provides the guarantee, and the bank gives a maximum credit line of 65,438+000% of the value of the collateral.
"Easy-to-use loan" refers to the loan with the maximum amount of RMB loan issued by the bank to the borrower, which can be recycled within the loan scope and validity period.
"Rent-as-you-go loan" refers to a loan issued by the owner of a business property who has the legal qualification to undertake the loan or a third-party business organization with the consent of the owner and actual control over it, with the business property owned or operated by him as the loan collateral, the cash flow obtained on the basis of the property as the main repayment source, and the borrower's other legal sources of funds to repay the principal and interest when necessary.
"Internet loan" refers to an unsecured loan composed of 3-5 small enterprises, and the joint guarantee members guarantee each other. Adopt general or special joint guarantee mode, in which "special joint guarantee" refers to a special joint guarantee mode in which members of joint guarantee group jointly contribute to set up a risk fund (generally 20% of the loan amount of joint guarantee group) and establish a risk compensation mechanism, generally for small joint guarantee groups.
"Joint-venture term loan" refers to the loan issued by large and medium-sized department stores to solve the phased fund gap caused by the difference between their supply cycle and the settlement cycle of large and medium-sized department stores under the premise of strictly controlling the return of settlement funds.
8. "Factory-hour loan" refers to the fixed asset loan business that is issued to small and medium-sized enterprise customers who buy industrial plants or office buildings in industrial parks or industrial clusters, with the real estate they buy as collateral and the borrower's operating income and other income as repayment sources.
"Warehouse receipt loan" refers to the off-balance-sheet and off-balance-sheet credit business that banks pledge their own movable property or goods rights, and issue in various forms such as trade financing, general working capital loans and bank acceptance bills. To meet the needs of supporting working capital of enterprises in the field of logistics or production.
10 "Order loan" refers to the short-term financing provided by the bank to the seller to pay for raw materials, organize production and transport the goods before shipment after the buyer and the seller have signed the order by means of non-letter of credit settlement, with the expected sales under the order as the main source of repayment.
1 1 "Timely Lending of Inventory" refers to the short-term financing business provided to borrowers with commodity value as the main repayment guarantee on the basis that banks entrust logistics supervision enterprises (third-party supervision institutions) to supervise the reserves, inventories or commodities receivable legally owned by borrowers (excluding standard warehouse receipt pledge financing of futures exchanges). Changchun Development Rural Commercial Bank Small and Micro Loan Center introduced loan score card and risk early warning system, created pure credit loan products according to the financing needs of individual industrial and commercial households and small and micro enterprises, solved the financing difficulties of small and micro enterprises, and launched three types of loan products:
1. Personal consumption loan
2. Loans for individual industrial and commercial households
3. Small and micro enterprise loans
Pure credit loan products, that is, no guarantee is needed, and the credit line is determined according to the information provided by customers and the results of on-site inspection.