The loan account number refers to a set of serial numbers automatically generated by the system when the user currently handles the loan, which is the information index serial number of the loan. If the user repays the loan and applies again, another loan account number will be generated, which can be the same or different. Different banks inquire about loan account numbers in different ways.
The loan account number is associated with the customer's repayment bank card, but it is not the repayment account number. These are two different accounts. The repayment account number refers to the bank card bound by the customer for repayment, and the repayment bank card can be changed by operation. After the loan account is generated, it remains unchanged.
Extended data
A loan account is an account opened by an enterprise in a bank. The loan account belongs to a special account, and the bank handles the accounting procedures for issuing loans and recovering loans. Ensure the smooth progress of various loan businesses, correctly reflect the use of credit funds, supervise the reasonable issuance and timely recovery of loans, and provide correct data for assessing the implementation of policies and credit plans. According to the different types of loans, the accounting methods of loan business can be divided into four types: verifying loans one by one, integrating deposit and loan, adjusting loans regularly and transferring loans.
What is the bank loan account number?
The loan account refers to the personal bank account of the bank that the main lender applies for personal loan business from the commercial bank designated by it. The service bank designates to issue the loan amount to the main lender within the loan contract period, and the main lender himself presents relevant personal documents to apply.
Commercial bank loan refers to a loan method in which the term of bank loan is no more than one year and the loan target is businessmen and import and export traders. The IT solutions of commercial banks have the characteristics of "complex business, numerous systems and extensive interfaces", which requires IT solution providers to have high technical capabilities in understanding customer needs, designing system architecture and mastering development technologies and standards. After years of development, domestic IT solution providers with a certain scale have initially formed a certain competitive advantage and market base in these fields. For potential market entrants, they will be limited by industry experience and knowledge, product and technology level, customer loyalty and so on, and the industry entry threshold they face is relatively high. The characteristics of commercial banks' application systems, especially their core business systems, determine that banks have a certain dependence on software products and services. The transformation of application systems usually takes a period of study and adaptation, and a series of adjustments are needed in hardware deployment, management processes, rules and regulations, and post settings. In addition, due to the complexity of IT, changing an application system may require adjusting the interfaces and functions of related systems and conducting a lot of rigorous tests, which will consume a lot of manpower and material resources.
Due to the change of market environment and customer demand, the IT application system of banks must be constantly upgraded and maintained in terms of functions and processes. Generally speaking, IT solution providers have formed a large, stable and mature customer base through long-term technical services and marketing. When new requirements and systems need to be developed, existing customers can be selected for R&D first, and then quickly promoted among other customers. While reducing the overall operation and maintenance cost of customers, it can also fully ensure the quality and reliability of the system. However, IT is difficult for new industry entrants to open a stable market in a short time, and they must invest a lot of resources in a few customers for specific needs, so the operation and maintenance cost of IT systems will be higher.
Number of commercial loan account numbers
The commercial loan contract number is the loan contract number. The loan contract number can be inquired at bank outlets, or through bank customer service telephone, online banking or mobile banking. There are differences in commercial loan contract numbers among banks, such as Bank of China 12 and Industrial and Commercial Bank of China (ICBC) 20.
Housing commercial loan account refers to the time when the user signs the housing mortgage loan contract. The account number provided by the loan bank for the user. Users can make repayment through this account when making repayment. At the same time, it is used to record the borrower's repayment record and amount. Users can view their repayment and remaining loans in detail.
The number of loan contracts of each bank is as follows:
1. ICBC: The loan contract number is 27 digits, the first digit is 15, the second digit is 8 digits, and the third digit is 4 digits.
2. China Construction Bank: The loan contract number is 2 1 digit, beginning with HET in English, followed by1digit.
3. Bank of China: The loan contract number is 13 digits.
4. Bank of Communications: The loan contract number is 20 digits with English letters in the middle.
5. CITIC Bank: The loan contract number is 13 digits.
6. Minsheng Bank: The loan contract number is 14 digits.
7. China Everbright Bank: The loan contract number is 14 digits.