The operation process of using mobile banking to withdraw money is as follows:

1. Users log in to China Construction Bank Mobile Banking;

2. Click "Quick Loan"-"Cash Withdrawal";

3. "Transfer funds from the special account for quick loans";

4. Just follow the prompts.

"Quick loan" is a full-process online self-help loan for individual customers launched by CCB. Customers can complete loans online through electronic channels of CCB, including real-time application, approval, contract signing, withdrawal and repayment. Customers can apply for loans through CCB mobile banking, online banking and intelligent teller machines, and they can easily complete the loans according to the prompts without any intermediary or others.

CCB Express Loan shall not be used for the following purposes:

1, buying a house and paying the mortgage;

2. Investment in stocks, bonds, futures, financial derivatives and asset management products;

3. Equity investment in fixed assets and equity;

Other uses prohibited by laws and regulations;

Please apply according to the actual needs to prevent excessive borrowing.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The consequences of loans overdue are as follows:

1. will generate penalty interest. If the loan is not repaid for more than 7 days, the bank will classify the loan as "collection" and "deferred payment", and then the individual must pay the late payment fee or penalty interest;

2. Being blacklisted and recorded in bad credit files. The name of the lender will appear in the internal system of the bank the day after the deadline, and the credit report will inevitably leave a bad record;

3, affecting future loans and handling credit cards, as long as they enter the blacklist, mortgages and car loans will be affected;

4. Unable to enjoy preferential loans;

5, can't fly, high-speed rail, drive a car, and children can't go to aristocratic schools.

Operating environment: