Corporate vision of Luzhou City Commercial Bank

Think about it first and bend the rules. With the deepening of China's economic development and the acceleration of the "Twelfth Five-Year Plan" development, Luzhou Commercial Bank has determined the corporate mission of serving customers, contributing to society, repaying shareholders and achieving employees, and has made clear the business service concept of "thinking before doing things, making progress when appropriate". Under this concept, ten strategies are put forward, such as actively implementing capital expansion, partner banks for small and medium-sized customers, product innovation, technology reversal, prospering services and ensuring strategic implementation. We are going all out, pioneering and innovating, striving hard, and steadily marching towards an excellent city commercial bank with perfect governance structure, reasonable operation structure, excellent service quality, strong innovation ability, high management level, excellent team quality, great brand influence, high market reputation, outstanding business performance and advanced corporate culture.

All that needs to be done, all that needs to be done. Luzhou City Commercial Bank will adhere to this core value, people-oriented, scientific development, strive to be the best corporate citizen, and build the most respected city commercial bank and the most respected small and medium-sized customer bank.

Personal consumption credit lending institution of Luzhou City Commercial Bank: Luzhou City Commercial Bank Institution Type: Microfinance bank loan type: pure credit unsecured loan repayment method: loan maturity amount: 1.00-300,000 yuan Applicable area: Luzhou loan currency: RMB Applicable people: other occupations, employees of state-owned enterprises, civil servants, lawyers and teachers; loan interest rate: 0.60%-0.70% loan term.

2. The loan amount and loan term are flexible.

3. Simple procedures

4. The storage speed is 1, belonging to one of the following specific groups: national civil servants; Middle-level or above managers in administrative institutions; School teachers, doctors in public hospitals and officially established managers; Managers at or above the middle level of listed companies, large enterprises and wholly state-owned enterprises; Middle-level and above managers in key industries such as finance, electric power, petroleum and aviation; The official (staffing) staff of institutions directly under the State Council with reference to the treatment of civil servants; The official (staffing) staff of administrative institutions with reference to the treatment of civil servants; China People's Liberation Army and China Armed Police Force hold the above (inclusive) positions; Individual customers who have passed the star rating of our customers.

2. The loan applicant is at least 18 years old, has full capacity for civil conduct, and the sum of age and loan application period is not more than 60 years old (legal retirement age), and is in good health;

3. The total annual wage income is not less than 30,000 yuan (inclusive);

4. Open a settlement account in a bank;

5. The purpose of the loan is clear and legal;

6. At present, the loan applicant and his/her spouse have no violation of rules and regulations, no bad habits, no bad credit history or no more than three periods, and no overdue balance; If it is more than 3 periods, it is not caused by its own subjective reasons, and there is no overdue balance at present;

7. The unit where the loan applicant works can provide proof of his salary and income, and can cooperate with him to provide relevant changes in transfer, promotion and demotion;

8. The borrower has the ability to repay in installments or at one time, and provides relevant certificates to ensure sufficient repayment sources (disposable assets, other income, etc.). );

9. The borrower shall handle personal accident insurance according to the relevant regulations of the bank, and the insurance period shall match the loan period;

10. Other conditions required by the bank according to the situation of the loan applicant. Operating procedures: customer application, acceptance, investigation and risk assessment, verification, compliance approval, signing approval, implementing loan approval conditions, signing contracts, reviewing withdrawal conditions, loan issuance, fund payment, post-loan management and loan principal and interest recovery. 1. Personal ID card or other relevant identification materials.

2. Personal work certification materials

3. Personal income certification materials

4. Proof of loan use

5. Other relevant certification materials stipulated by Luzhou Commercial Bank.