The approved credit line refers to the credit line approved by the issuing bank according to the credit status of the main card applicant. Credit limit refers to the maximum overdraft limit of credit cards, which can be enjoyed by RMB and foreign currency, main card and auxiliary card, and all credit cards under the same account.
The credit line of 99 national basic credit card products of Agricultural Bank of China is no longer differentiated by product grade, and the credit line range is 0-50 thousand (except excellent card, virtual card, business card, easy card and official card of budget unit). The credit line scope of regional products is: 0-50,000 ordinary cards, 0-200,000 gold cards and 0- 1 10,000 platinum cards, among which the credit line scope of some regional products has special requirements and scope.
1. History of Agricultural Bank of China
The predecessor of the bank can be traced back to the Agricultural Cooperative Bank established by 195 1 Since the late 1970s, banks have experienced different stages of development, such as national specialized banks, wholly state-owned commercial banks and state-controlled commercial banks. On June+10, 2009, the Bank was restructured into a company limited by shares. On July 20 10, the Bank was listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange respectively.
As one of the major integrated financial service providers in China, the Bank is committed to building a world-class commercial bank group with obvious operating characteristics, efficient and convenient services, complete functions and outstanding value creation capabilities. With its comprehensive business portfolio, huge distribution network and leading technology platform, the Bank provides customers with various products and services of corporate banking and retail banking, and also conducts financial market business and asset management business, covering investment banking, fund management, financial leasing, life insurance and other fields. By the end of 20 16, the Bank's total assets195,706 10 million yuan, loans and advances 97196.39 million yuan, deposits1503,800,5438+0 million yuan, and its capital adequacy ratio.
2. By the end of 2065438+2006, there were 23682 domestic branches of the Bank, including the Head Office, the Head Office's business department, three franchised institutions of the Head Office, 37 tier-one (directly affiliated) branches, 365 tier-two branches (including provincial branch business departments) and 3506 tier-one branches (including municipalities directly under the Central Government and directly affiliated branch business departments). The Bank has 65,438+04 major holding subsidiaries, including 9 domestic and 5 overseas.
Since 20 14, the Financial Stability Board has included this bank in the list of global systemically important banks for three consecutive years. In 20 16, the Bank ranked 29th in Fortune Global 500. In the ranking of British Banker magazine 1 0,000 global banks, the bank ranks fifth in tier 1 capital. The credit rating of Standard & Poor's issuer of the Bank is A/A- 1, and the default rating of Huiyu Long/Short-term Issuer is A/F 1.