What you want to ask is which is reliable, Xingye Merchants or Jiangsu Bank? The answer is industrial investment. The reason for this is the following：
1, the difference of asset structure, before studying the quality and risk of assets, we need to form a concept in our mind: at the end of 20 18, the total loan scale of Industrial Bank was 2,838.4 billion, and that of China Merchants Bank was 3,749.9 billion (net amount instead of total amount here). It can be seen that the loan scale of the two banks is obviously different.
2. Changes in non-performing loans At the end of the period, the non-performing loans of Industrial Bank amounted to 466,543.8+0.4 billion, an increase of 7.486 billion compared with the beginning. Fortunately, due to the rapid growth of the total loan balance, the annual NPL ratio dropped by 2BP to 65,438+0.57%. The non-performing balance of China Merchants Bank decreased by 3.743 billion yuan, and the non-performing rate also decreased from 1.6 1% to 1.37%, a significant decrease.
3. Loan impairment provision. According to the data of write-off and transfer in the whole year, Industrial Bank has 28.098 billion, while China Merchants Bank has only 26 1.97 billion. In the case of a much larger loan scale, China Merchants Bank's write-off scale is smaller, and it has also achieved a double decline in non-performing loans. The risk control strength of China Merchants Bank can be seen. Relatively speaking, the performance of Industrial Bank will be worse, and it has tried to raise 38.067 billion yuan. It can be seen here that China Merchants Bank has deep pockets.
Which loan is better, Industrial Bank or China Merchants Bank?
What do you mean? If you mean credit cards, they all have their own characteristics. The basic functions of credit cards are basically the same, for example, you can spend first and then repay; Use the cash advance function; Select the business with minimum repayment amount; Online shopping; Shopping in installments and so on. If there are no special requirements for credit card spending, you can apply for any one.
Personal loan, which bank is better?
Banks with better personal loans include China Merchants Bank, China Construction Bank, Agricultural Bank, Industrial and Commercial Bank, Industrial Bank and Huaxia Bank.
Comparison of individual consumer loan banks;
1. Features of personal consumption loan products of China Merchants Bank: It can be distributed in different periods according to customers' needs.
2. CCB's personal consumption loan products are characterized by high loan amount, wide consumption purposes and low loan interest rate. The loan interest rate of its fast e-loan products is only about 7.6%.
3. Agricultural Bank is the golden key to build a mortgage brand.
Many credit brands have been launched, with good service industry and flexible repayment methods, so they are very popular with people.
4. ICBC's personal consumption loan product features: personal comprehensive consumption loan has a wide range of consumption purposes, high loan amount and long loan term.
5. Features of Industrial Bank's personal consumption loan products: the longest credit period of personal comprehensive consumption line can reach 10 year.
The line is reused during the credit period, and the used line can be recovered after the loan is repaid. There are various ways of guarantee, such as pledge, mortgage, mortgage plus guarantee, guarantee or credit.
6. Features of Huaxia Bank's personal consumption loan products:
(1) Flexible use of funds: within the time limit and quota agreed in the contract, the loan will be repaid, that is, the loan will be repaid without approval one by one.
(2) A variety of guarantee methods: pledge or mortgage;
(3) Long term: the longest loan term can reach 5 years;
(4) Wide use: it can meet the borrower's needs for various consumption funds such as travel, decoration, fitness and purchase of consumer goods.
Precautions for personal loans:
First, apply for a loan amount according to your own ability. When applying for personal loans, borrowers should make correct judgments on their economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.
Second, we must choose a good loan bank.
Third, choose the repayment method that suits you best.
Fourth, the information provided to the bank should be true.
5. Provide my address accurately. The address provided by the borrower to the bank is accurate, which is convenient for the bank to contact with it and receive the repayment notice from the bank on time every month.
6. Repay on time every month to avoid penalty interest. For the borrower, it is necessary to pay attention to whether there is enough money in his repayment account before the repayment date agreed every month.