This kind of pre-credit is actually a reminder that the bank wants you to apply for a loan with them. The text message sent to you is not about expiration, but a reminder that an expected amount of cash that can be loaned and consumed is about to expire.

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If it is not necessary, you can ignore it. If necessary, you need to call Agricultural Bank of China again to verify.

Pre-credit refers to a flexible, convenient and recyclable credit product provided by banks to customers. As long as the credit balance does not exceed the corresponding business type indicators, short-term credit can be quickly provided to customers regardless of the cumulative amount and number of issuances.

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Agricultural Bank of China (AGRICULTURAL BANK OF CHINA, ABC for short) was established in 1951.

The head office is located at No. 69 Jianguomennei Street, Beijing. It is a large state-owned bank managed by the central government, [1] and a national deputy ministerial level unit.

[2-3] Agricultural Bank of China is an important part of China’s financial system. [4-5] It provides a variety of corporate banking and retail banking products and services. It also conducts financial market business and asset management business, and its business scope also covers investment banking.

, fund management, financial leasing, life insurance and other fields.

Company Size Agricultural Bank of China has 24,064 branches across the country, 30,089 ATMs and 1,171 overseas agent banks around the world. With the widest branch network system and leading information technology advantages, it has served more than 350 million customers around the world.

Provide customers with convenient, efficient and high-quality financial services.

Agricultural Bank of China has a total of 23,461 domestic branches, including the head office, 32 first-level branches, 5 directly affiliated branches, 316 second-level branches, 3,479 first-level sub-branches, 19,573 grassroots business institutions and 55 other institutions

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Overseas branches include 3 overseas branches and 4 overseas representative offices.

The main holding subsidiaries include 6 domestic holding subsidiaries and 3 overseas holding subsidiaries.

Total assets in mainland China exceeded 10 trillion yuan at the end of 2010 and reached 11.68 trillion yuan in 2011, accounting for 11.3% of the total assets of the country's banking and financial industry. It is one of the largest and most powerful large-scale listed commercial banks in China and an important player in China's financial system.

important parts of.

At the end of 2011, various deposits reached 9.62 trillion yuan, various loans were about 5.63 trillion yuan, the capital adequacy rate was 11.94%, and the core capital adequacy rate was 9.75%, both at relatively high levels. As of the end of 2011, the non-performing loan ratio was respectively

A decrease of 0.48%, the provision coverage ratio was 263.1%, an increase of 95.05%, and all core indicators ranked among the top among domestic comparable peers.

The Agricultural Bank of China's annual report also shows that its intermediary business has developed the fastest, with net fees and commission income of approximately 46.128 billion yuan for the year, about 10.488 billion yuan more than the previous year, an increase of more than 30%. If the agency business of disposing of non-performing assets by the Ministry of Finance is excluded

After fee income is included, this growth rate can be increased to 42.8%. Among them, the growth rate of electronic banking, credit card, investment banking, agency insurance and other businesses is more than 50%.