1. The working hours of China Bank are from 8: 30 am to 5: 00 pm, and some windows will be closed at noon; From 9 am to 4 pm on Saturday and Sunday, there is no business.
2. The working hours of China Agricultural Bank are from 8: 30am to17: 00am every Monday to Friday and from 9: 30am to16: 00am on Saturday and Sunday.
3. The working hours of China Merchants Bank are from 8: 30am to 5: 00pm from Monday to Friday, and from 9: 00am to 4: 30pm on Saturday and Sunday.
Four. The working hours of China Industrial and Commercial Bank are from 9: 00 a.m. to 7: 00 p.m. from Monday to Sunday, and from Monday to Friday afternoon13: 00-17:00.
What does the credit department of the bank mainly do?
These allegations include but are not limited to the following:
1. Announce the types, term, interest rate and conditions of operating loans and provide consulting services;
2. Guide to fill in the loan application form and help to handle the loan application and other businesses;
3. Assist relevant personnel and departments to evaluate the borrower's credit rating;
4. Investigate the borrower's legality and other factors, verify the situation of collateral, pledge and guarantor, and determine the loan risk;
5. Reply to the loan application, sign a loan, guarantee contract or go through notarization procedures;
6. Issuing loans, tracking, investigating and checking the borrower's contract execution and operation;
7. Send a notice of repayment of principal and interest, and urge the borrower to repay the loan; Send a collection notice to collect overdue loan principal and interest;
8. Collect relevant information, and the relevant departments shall assist borrowers who cannot repay the principal and interest on schedule;
9. Establish and improve the loan quality preservation system, classify, register, evaluate and collect non-performing loans, and timely write off non-performing loans; 10. Assist in the acceptance, discount and rediscount of commercial bills. The job responsibilities of loan officers in different regions and different bank outlets will be adjusted according to local conditions, and the management measures of the bank outlets shall prevail. For details, please consult the head of the credit department of the outlet.
The bank loan officer can be said to be the bank's "polygraph", which is used to detect whether the information provided by the lender is true or false. He is mainly responsible for investigating the strength and potential of loan companies and individuals and providing them with policy suggestions on loans. He needs excellent judgment and keen observation, good listening, affinity and communication skills.
What time does the bank close in the afternoon?
Most outlets are open from 9: 00 am to 7: 00 pm/kloc-0. For example, the closing time of China Construction Bank is noon 1 1: 30 or 12: 00. After work until before going to work, the bank does not handle corporate business, and personal business can be handled normally at noon. Banks are legally established financial institutions engaged in money and credit business. It is the product of the development of commodity currency economy to a certain stage. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, which bear different responsibilities.
Extended information:
1. Is this bank state-owned or private?
State-owned banks directly controlled by China include China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Bank of Communications and China Postal Savings Bank, as well as China National Development Bank, China Exim Bank and China Agricultural Development Bank. The remaining banks cannot simply be classified as state-owned or private. In addition, it is not accurate to say that other banks are "private". More precisely, it is private capital holding.
2. Are the bank staff civil servants?
No, according to the Civil Service Law, a civil servant refers to a person who performs public duties according to law, is included in the state administrative establishment, and is paid wages and benefits by the state finance. Banks are not state administrative agencies, so they are not civil servants. Banks are financial institutions, not civil servants or institutions.
3. Is the financial management bought at the bank reliable?
As one of the three pillars of China's finance, banks have a large platform and are relatively formal. It is relatively reliable for investors to buy wealth management products in banks. However, this does not mean that the wealth management products that investors buy in banks will not lose money.
4. Can the bank change small change?
Yes, banks can change money or go directly to the counter of bank outlets. In general, you need to line up by number. It should be noted that if you change a lot of change, you need to make an appointment in advance, otherwise the bank may not have that much change. According to the Regulations on the Administration of Renminbi, bank outlets should handle the whole or whole exchange business for citizens according to the principle of reasonable needs.
5. Can individuals borrow money from banks?
Yes, individuals can go to the bank for loans. All commercial banks have personal loan business to meet the personal consumption, production and business needs of borrowers. But if an individual wants to borrow from a bank, he must meet the loan conditions proposed by the bank. The loan terms may vary depending on the bank applying for the loan. In addition, different personal loans may require different conditions. However, it is generally required to be at least 25 years old, have full capacity for civil conduct, have a fixed residence or valid residence certificate in China, have a stable income, have a good credit record and have no bad credit record. After meeting these basic conditions, plus some other conditions put forward by the bank, individuals can apply for loans from the bank.
Working hours of Chenzhou CCB loan center
9: 00 am to afternoon 12, afternoon 14 to afternoon 17. But we don't handle loan business on Saturday and Sunday.
Can the bank handle the loan business on Sunday?
The loan business belongs to the company's business, and banks can't handle the loan business on weekends.
Banks are open as usual on Sundays, and can handle personal business, but not corporate business.
2. At present, the business hours of domestic banks are basically the same (some regions and counties may get off work half an hour early): personal business: 9: 00 am-65438+07: 00 pm every Monday to Sunday;
3. Business: Monday to Friday from 9: 00 am to 9: 00 pm 12: 00 pm13: 00 pm-17: 00 pm.
4. In case of national holidays, the time will be adjusted accordingly, and the specific bank will be notified; If the wire transfer is closed, it will be closed half an hour before work in the afternoon.
Extended data
Business hours of major banks in China:
1. ICBC's working hours: 8: 30 am to 5: 00 pm, and some windows will be closed at noon; From 9 am to 4 pm on Saturday and Sunday, there is no business.
2. The working hours of Agricultural Bank of China, that is, the counter opening hours are: 8:30 am to 17:00 am from Monday to Friday and 9:30 am to 16:00 am on Saturday and Sunday.
3. Business hours of China Post: 8: 00 a.m.-5: 00.4: 30 p.m. nationwide, it stops business and starts sorting. Some places will distinguish between winter time and daylight saving time.
4. Working hours of China Merchants Bank: Monday to Friday: 8: 30 am to 5: 00 pm sharp; Saturday and Sunday: 9: 00 am to 4: 30 pm.