Under normal circumstances, it is reliable for China Post Hongyuan to set up financial management in one year. First of all, we should make it clear that Postal Savings Bank is a state-owned commercial bank. It is relatively safe to buy all postal financial products, but any investment is accompanied by risks. Different financial products have different risk levels. Among them, low-risk financial products are relatively safe and the income is relatively small. High-risk financial products may cause principal loss, but the return is relatively considerable. Investors should invest according to their own situation, and don't blindly follow suit, because there is no absolutely safe financial product.
China Post Finance Management Co., Ltd. is a wholly-owned subsidiary of Postal Savings Bank of China Limited, which was established in December 219. The company's predecessor was the Asset Management Department of China Postal Savings Bank Headquarters, which was involved in the investment and management of asset management business. China Post Financial Management Co., Ltd. is mainly engaged in public offering of financial products, private equity financial products, financial consulting and asset management consulting. China Post Financial Management Co., Ltd. has a professional investment management team and rich investment experience.
At present, the maximum amount of personal credit loan of Postal Bank can reach 1 million yuan, and the longest loan period is 3 years. Mainly for people aged between 18 and 6, with good credit records, stable sources of income and repayment ability.
specific loan process:
1. apply for a loan. Customers can get to know the bank's credit products in advance and see if they are suitable for them. After understanding clearly, they can call the bank's customer service consultation or consult on the spot. Go to the bank to fill out the loan application form, and bring ID card, household registration book, residence permit, work permit, marriage certificate and other relevant documents.
2. Pre-lending investigation. Banks are qualified to conduct a preliminary review of the personal data of loan applicants. If they meet the requirements, they will enter the next loan link.
3. loan approval. The approver determines whether to approve the loan according to the repayment ability, personal credit record and secured mortgage of the loan applicant.
4. mortgage registration. If the loan applicant chooses a mortgage loan, he/she needs to go through the relevant registration formalities after passing the examination and approval.
5. issue loans. Those who meet the bank loan conditions and have legally completed the procedures can issue loans.
the postal savings bank manages its own wealth management products, funds, insurance, precious metals, treasury bonds and other businesses, and can handle the tripartite deposit business of securities trading. Investors can choose products for themselves according to their capital and risk preferences. Generally speaking, the starting point of self-management is slightly higher, but the risk is relatively low. Funds have low risk and high risk, and the investment threshold is generally not high. There are many types of insurance, so investors are not advised to buy financial insurance. The raised funds are mainly invested in fixed income assets. Through flexible asset allocation strategy and active investment management, we strive to provide investors with sustained and stable return on investment on the basis of strict risk control. Electronic channel risk assessment to fulfill inclusive finance's social responsibility.