Zhongguancun Bank is not an online loan, but a bank loan. Zhongguancun Bank is the first private bank in Beijing to be allowed to start business. It officially opened on July 6, 20 17. In the planning of Zhongguancun, it is clearly proposed to promote the establishment of Zhongguancun Bank, participate in the construction of the national OTC market, and accelerate the establishment and development of the Beijing Equity Exchange Center. On July 17, Zhongguancun Bank officially opened. Zhongguancun Bank was established by 1 1 Zhongguancun, such as UFIDA, Bi Shuiyuan, Light Media, Oriental Garden and other well-known listed companies.

1. Zhongguancun Bank is a private bank.

Among them, UFIDA is the largest shareholder of the bank, with a shareholding ratio of 29.80%; Bi Shuiyuan, Light Media and Oriental Garden ranked second and tied for the third largest shareholder respectively, holding 27%, 9.9% and 9.9% respectively. 20 17 10, Wang Meng, president of Beijing Zhongguancun Bank, resigned for personal reasons.

Second, policy innovation in strengthening financial innovation.

Zhongguancun will support enterprises to issue new debt financing tools, promote the securitization of scientific and technological property assets and the pilot of personal tax deferred pension insurance, support enterprises to acquire key and core technologies through overseas mergers and acquisitions, and promote the combination of modern information technology and finance such as mobile payment, social networks, search engines and cloud computing. In addition, Beijing studied and formulated the implementation plan of the key work of Zhongguancun National technology and finance Innovation Center, and put forward 46 policy suggestions.

To sum up, the personal data filled in by the bank must be true and valid, otherwise the bank will refuse to handle the loan for the applicant. If the applicant's branch in the loan bank has loans overdue, the loan bank will automatically reject the applicant's loan application. Applicants who miss the loan term cannot apply for new loans to reduce their debts. If the applicant's debt is too high, the loan amount provided by the bank may not be high, or even refuse to lend to the applicant. The applicant's actual age plus the loan period cannot exceed 70 years old.