Generally, large commercial banks, such as workers and peasants construction, have the right to report to the head office for approval step by step, and branches have no right to make independent decisions; Credit cooperatives are generally reported to the provincial level because they are under the jurisdiction of the provincial level; Because city commercial banks are independent local corporate financial institutions, it is up to them to decide whether to lend or not. Loan discussion is generally decided by the loan review Committee of the bank.
(2) Is there a performance commission?
Generally speaking, bank loan officers have no performance commission. But to some extent, ordinary loans will bring some derivative deposits, and derivative deposits are the contribution indicators of loans to banks, and accordingly, performance rewards can be drawn for loan officers. Generally ranging from five ten thousandths to one ten thousandth. Generally speaking, banks will require large borrowers to set up basic deposit account in their own banks, and at the same time, all cash flows should be reflected on the books, and they promise to keep no less than a certain proportion of capital deposits. This is good for the bank's loan and deposit assessment.
(3) Which department of the bank should I contact to promote the products?
That depends on what product you are making. If it is a gift or welfare product, communicate with the office. If it is a training product, contact the Human Resources Department; If it is a core system, equipment maintenance, ATM and other products, it should be discussed with the market development department or the science and technology department.