1. Although ICBC Ronge Loan supports revolving loans, prepayment is a breach of contract. Although compensation is charged, it disrupts the bank's capital plan, which makes the interest earned by the bank different from expected, and also makes the bank think that the user's demand for e-loan is not very high and may not lend again.
Second, the user's credit score in the bank has been lowered, which may be on the gray list. Even if the debt is paid off in the future, it will affect the re-borrowing.
Third, the credit business handled by users in other banks or financial institutions is overdue, or too much debt is owed, which leads to poor credit information and high debt, which affects credit and repayment ability, and will also make Rong E unable to apply for loans again.
I. General situation of the enterprise
China Industrial and Commercial Bank was established in June 1984+ 10/0/. 20051October 28th, 10, the whole company was restructured into a joint stock limited company. On June 27th, 2006, 10 was successfully listed on Shanghai Stock Exchange and Hong Kong Stock Exchange on the same day. China Industrial and Commercial Bank takes service as the foundation, insists on creating value by service, and provides comprehensive financial products and services to 865,438+million corporate customers and more than 650 million individual customers worldwide. Consciously integrating social responsibility into development strategies and management activities has been widely praised in developing inclusive finance, supporting precise poverty alleviation, protecting environmental resources and supporting public welfare undertakings. Always focus on the main business, adhere to the origin of serving the real economy, and grow together with the real economy to survive, * * * bear the wind and rain, * * *; Always adhere to the risk orientation, firmly hold the bottom line, and constantly improve the ability to control and resolve risks; Always adhere to the grasp and follow the operating rules of commercial banks, and strive to build a "century-old shop"; Always persist in striving for progress in stability, innovative development, continue to deepen the strategy, and actively embrace the Internet; Always adhere to professional focus, develop professional business model and forge "great craftsmen". For seven consecutive years, it ranked first in the sub-list of British Bankers Global Bank 1000, Forbes Global Enterprise 2000 and Fortune 500 commercial banks in the United States, and ranked first in the list of Top 500 Brand Values of British Brand Finance Global Banks for four consecutive years.
Second, corporate culture.
Mission: to provide excellent financial services, serve customers, repay shareholders, achieve employees and contribute to society.
Company vision: to build a world-class modern financial enterprise with global competitiveness, which is "excellent in value, firm in origin, preferred by customers, leading in innovation, safe and steady, and people-oriented".
Company values: do things sincerely and go far; Honesty, humanism, steadiness, innovation and Excellence.
Third, social responsibility.
ICBC actively carried out poverty alleviation work, and was awarded the title of "Pioneer of People's Livelihood Action in China in 2008" by China Foundation for Poverty Alleviation, and the title of "Advanced Poverty Alleviation Unit Designated by Central State Organs and Other Units" by the State Council Poverty Alleviation Office. Continue to donate 6,543,800 yuan to Peking University Education Fund; During the Olympic Games, "zero accidents in production and operation" and "zero complaints in Olympic service" were realized, which made positive contributions to the success of the Olympic Games. Adhere to the concept of giving back to the society, organize employees to enter the community from time to time, and carry out a series of youth volunteer activities under the unified name of "China Industrial and Commercial Bank Youth Love Action".