The current development status of the credit business of China Merchants Bank Shenzhen Branch
The current development status of the credit business of China Merchants Bank Shenzhen Branch is as follows:
Since the establishment of Shenzhen Branch, under the correct leadership of the head office, , always adheres to market orientation, focuses on innovation-driven, and always adheres to the service concept of "changing because of you". After 27 years of development, it has become a major bank and stronghold in Shenzhen with outstanding advantages and distinctive characteristics. Shenzhen Branch adheres to the coordinated development of quality, efficiency and scale, and is currently at the forefront of local peers and the China Merchants Bank system in terms of customer base number, business scale and operating efficiency. Adhering to the strategy of "one body, two wings" and "light banking", in terms of corporate finance, the company implemented institutional reforms early within the system and built professional service capabilities. Relying on a complete service system, it has established a strong presence in listed companies, state-owned enterprises, new kinetic energy customer groups, It has established a good market reputation in terms of services such as institutional customers; it has used leading products such as supply chain finance and bill financing to create an inclusive financial service brand in terms of services to small, medium and micro enterprises. In terms of retail finance, Tuanxiangpa has established a three-dimensional and all-round product and service system that combines online and offline services. It uses leading wealth management, private banking, and family trust services to maintain and increase the value of customer wealth as its mission and adhere to the asset management system. Configuration concept, continue to create value for customers. Adhering to the leadership of innovation, it is unique in the fields of cross-border finance, asset management, investment banking and other fields. It relies on its rich cross-border financing, merger and acquisition finance, bond underwriting, asset securitization, financial consulting and other special products to provide customers with "domestic and foreign currencies, Comprehensive financial services at home and abroad, investment banks, stocks and bonds. Adhering to the financial technology strategy, we have established diversified payment scenarios covering travel, convenience, and business districts, and launched many heavyweight projects such as "Online One-Pass for Small and Micro Enterprises", "Tax Refund Quick Loan", and "Credit Process Visualization System" Fintech projects.
What are the conditions for a China Merchants Bank loan?
There are four conditions:
1. Chinese citizens who have a fixed residence in China, a permanent residence in a local town, and full capacity for civil conduct;
2. Have a good job with legitimate and stable economic income, and have the ability to repay the principal and interest of the loan on time.
3. Abide by laws and regulations, have no illegal behavior or bad credit record; open a personal settlement account at China Merchants Bank.
4. At the same time, the most important thing not to forget is that the applicant must meet other conditions stipulated by China Merchants Bank.
The lender needs to hold a valid identity document and relevant information required by China Merchants Bank, fill out the credit application form, submit a credit application to the handling bank and wait for the bank's approval. The lender signs a credit agreement with China Merchants Bank. After obtaining the credit line, the lender can apply for funds at any time to the handling bank, and the lending bank will disburse the loan to the borrower's personal account.
The above content is for reference only and does not provide any loan advice. Online loans are risky, so be careful when choosing!
Recommend you to get a loan from Xiaoman Finance (formerly Baidu Finance). The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18-55 years old. The approval is very fast. It only takes 30 seconds at the fastest, and the loan funds can be received in 3 minutes at the fastest. You can borrow up to RMB 200,000, with a minimum daily interest rate of 0.02%.
Du Xiaoman - If you have money to spend (batch in seconds), click online to measure the amount
As a reminder: after the limit is exceeded, try to withdraw the full amount, because risk control is dynamic. Not many people can lend money now. If you have needs, it is recommended to withdraw the full amount. Early settlement and repayment is supported after the first installment.
Many people have enough money to spend, so you can try the following two platforms, which are also relatively formal licensed financial institutions! The review is relatively less strict! 360 IOU is a financial subsidiary of 360 Anti-Virus Software, and Fenqile is a subsidiary of Lexin. They are both large companies.
360 IOU can borrow up to 200,000 yuan!
Click online to measure the amount and change the credit amount
You can borrow up to 50,000 in installment loan!
Click on the online bank to get a loan amount
How to get a credit card loan from China Merchants Bank
1. Apply online.
Log in to the official website of China Merchants Bank, click "Credit Card" in the top column on the main page; then click "e Loan" in "Loan Installment", and select "Click" on the newly opened page "Apply"; install the secure login control and log in to your personal bank to apply for e-loans.
2. Handle by phone.
Call the China Merchants Bank customer service hotline, follow the voice prompts to be directly transferred to the manual customer service, and apply for e-loans after identity verification.
3. Handle via Palm Life APP.
Download the Palm Life APP, open the latest version of the Palm Life APP, and after logging in, select "Card. Payment" → "e Loan" to try to apply, and the system will provide the review results in real time.
After the application is successful, the cardholder can repay the principal and installment fees in installments, which can be divided into 3, 6, 10, 12, 18, 24 or 36 installments. The principal and installment handling fee of each installment will be included in the current credit card bill.
It is relatively easy for cardholders of China Merchants Bank credit cards to apply for loans. As long as the credit card is in normal use and does not have any bad credit record, they can apply for an e-loan from the bank. Applicants can apply for e-loans through the Palm Life APP, online banking or calling the customer service hotline.
Extended information:
China Merchants Bank credit cards are divided into three levels: regular card, gold card and platinum card. The limit of regular card is generally between 3,000-10,000 yuan, and the limit of gold card is between 3,000 and 10,000 yuan. The limit is between 10,000-50,000 yuan, and the platinum card limit is more than 50,000 yuan.
The specific credit limit is evaluated by the bank based on the information provided by the applicant and personal credit status. The better the applicant's credit status, the higher the credit limit. The final limit is subject to review The result shall prevail.
China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is completely owned by corporate legal persons. It is also the first country to promote the reform of the banking industry from outside the system. pilot bank.
Since it was first shortlisted for the Fortune Global 500 in 2012, it has been shortlisted for seven consecutive years, ranking 213th in the Fortune Global 500 in 2018.
On June 26, 2019, 8 banks including China Merchants Bank were among the first to launch the online enterprise information verification system.
In July 2019, the 2019 Fortune Global 500 was released, ranking 188th.
In November 2019, it ranked 85th on the list of the top 100 Chinese enterprises along the Belt and Road Initiative.
In December 2019, China Merchants Bank was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony.
On December 18, 2019, the People’s Daily ranked 31st on the “China Brand Development Index” 100 list.
On January 13, 2020, he was selected into the 2020 Hurun Top Quality Awards.
In March 2020, it was selected as the 74th among the top 500 global brands in 2020.
In May 2021, it ranked 22nd in the "2021 Forbes Global 2000".
The head office of China Merchants Bank is located in Futian District, Shenzhen City. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began a public offering in Hong Kong, issuing approximately 2.2 billion H shares, raising HK$20 billion, and was listed on the Hong Kong Stock Exchange on September 22. Net capital exceeds 290 billion and total assets exceed 4.4 trillion.
As of the first half of 2017, China Merchants Bank has more than 1,800 domestic and overseas branches, has established service outlets in more than 130 cities in mainland China, has 5 overseas branches and 3 overseas representative offices, and has 7 employees. More than ten thousand people were making noise in sedan chairs. In addition, China Merchants Bank also wholly owns China Merchants Bank Financial Leasing Co., Ltd., holds a controlling stake in China Merchants Fund Management Co., Ltd., holds 50% of the equity of China Merchants Cigna Life Insurance Co., Ltd., and 50% of the equity of China Merchants United Consumer Finance Company; it is wholly owned in Hong Kong Controls Wing Lung Bank Co., Ltd. and CMB International Financial Holdings Co., Ltd.
Does Shenzhen China Merchants Bank online loan require pre-deposit?
Shenzhen China Merchants Bank online loan does not require pre-deposit. According to the public information related to the investigation, online loans do not require pre-deposits. Even if loan handling fees and intermediary fees are charged, they are directly deducted from the loan. The loan amount after deducting relevant fees is directly transferred to the lender. The payer.
How to get a loan from China Merchants Bank
The process for applying for a loan from China Merchants Bank is the same. According to the application requirements on the official website of China Merchants Bank, the process is as follows:
Processing process< /p>
Step 1: Submit application
Step 2: Bank approval
Step 3: Grant loan
1. Personal first-hand, Second-hand housing loan application materials
ID card, marriage certificate
2. At least one of the address proofs: water, electricity, gas, telephone or property management fees Bill
3. Choose at least one of the income certificates: salary certificate/bank statement/income tax bill/social security record/other income certificate
4. Proof of purpose: provide the corresponding house purchase contract
2. Personal consumption loan application materials
ID card, marriage certificate
2. Real estate certificate
3. At least any proof of address Choose one: water, electricity, gas, telephone or property management bills
4. Proof of income Choose at least one: salary certificate/bank statement/income tax bill/social security record/other income Proof
5. Proof of purpose: Provide corresponding transaction certification materials
3. Personal car loan application materials
1. ID card, marriage certificate
2. Choose at least one proof of address: water, electricity, gas, telephone or property management bills
3. Choose at least one proof of income: salary certificate/bank statement/ Income tax bill/social security record/other income certificate
4. Proof of purpose Note: It can be postponed until before the loan is released: car purchase contract/agreement; down payment invoice/receipt
Extended information:
Processing methods
1. If you are a private banking customer, diamond card customer, golden sunflower customer or credit card platinum card customer of China Merchants Bank, or a civil servant, teacher, doctor or other government agency Or employees of administrative institutions and other high-quality customers recognized by China Merchants Bank, who want to enjoy a one-time payment discount for home purchases, can apply for a "direct customer" process - they can not only use bank loans, but also enjoy the one-time payment discount of Yixin , and you can also enjoy preferential interest rates.
2. Call the account manager of China Merchants Bank.
3. Apply to the nearest China Merchants Bank branch.
4. Dial the national unified service hotline 95555.