Credit card processing is one of the most popular services of China Industrial and Commercial Bank, which provides a variety of credit cards to meet the needs of different users. Among them, personal credit cards include China Industrial and Commercial Bank Classic Card, Gold Card, Platinum Card, Diamond Card and UnionPay Card, while commercial credit cards include SME credit cards, corporate credit cards, government credit cards and non-profit organization credit cards.
To apply for a credit card, you need to provide valid identification documents, such as ID card, passport and military officer's card. In addition, applicants need to provide valid proof of income and a complete application form, which can be downloaded from official website, Industrial and Commercial Bank of China.
China Industrial and Commercial Bank also provides a variety of credit card services, including bill inquiry, account management, account information inquiry, credit card repayment, online banking and other services, which can facilitate users to apply for credit cards. In addition, China Industrial and Commercial Bank also provides nationwide transfer service, which makes it easier for users to apply for credit cards.
In a word, to apply for China Industrial and Commercial Bank credit card, you need to provide valid identity documents, proof of income and a complete application form, and you can enjoy services such as bill inquiry, account management, account information inquiry, credit card repayment, online banking and nationwide transfer service.
How to apply for E-loan from China Bank? These conditions need to be met.
; ? The development of small and medium-sized enterprises can not be separated from sufficient funds, so they will go to the bank for loans. Many banks can provide loans for SMEs. For example, e-loan of Bank of China is one of them. This product is a credit loan and does not need mortgage guarantee. Let's take a look at how to apply for e-loan from Bank of China enterprises.
1. China bank enterprise e-loan application conditions:
The application object of e-loan for BOC enterprises is the national standard small and micro enterprises that meet the customer scope of BOC Credit Factory. After the successful application, the borrowing enterprise and its legal representative must be the same borrower. Therefore, there are requirements for the borrowing enterprise and the legal representative respectively:
1) The borrowing enterprise must be a national standard small and micro enterprise approved and registered by the State Administration for Industry and Commerce, and open a settlement account with China Bank, with good credit status;
2) The legal representative of the enterprise must be 20 to 65 years old and have a good credit status;
Except for the above conditions, neither of them can involve xq.
, terrorist financing, financial fraud, tax evasion, infringement of intellectual property rights and other illegal and criminal acts or violations of sanctions.
2. How to apply for E-loan from Bank of China:
Bank of China Enterprise E-loan is a credit loan, which can be applied online at Bank of China Enterprise Online Banking. The specific steps are as follows:
1) Application submitted by corporate online banking
The enterprise logs in to China Bank's enterprise online banking, selects "Bank of China Enterprise E Loan" in "Loan Service" to initiate product application, and confirms the basic information, account information and legal representative of the enterprise. After confirmation, the enterprise will sign the relevant agreement text on the website of China Bank, initiate the confirmation of the legal representative and business representative of the enterprise and authorize the use of relevant data of the enterprise.
2) The legal representative completes the confirmation through mobile banking.
Within 20 natural days (inclusive) after the enterprise submits the application through online banking, the legal representative of the enterprise logs into the personal mobile banking of Bank of China, initiates the product application of "Bank of China Enterprise E Loan", confirms the basic information of the enterprise and itself, loan application and other information, signs the relevant agreement text online, agrees to accept the business representative of the enterprise, initiates the authorization of personal data, and submits the product application of "Bank of China Enterprise E Loan".
3) The legal representative of the enterprise signs a contract with mobile banking.
Within 20 natural days (inclusive) after an enterprise submits an application through online banking, the system will automatically approve and grant a credit line. The legal representative of the enterprise can initiate the signing of a loan contract through personal mobile banking of Bank of China, and the borrowing enterprise and its legal representative will sign a loan contract with the borrower and Bank of China as * * *.
4) The legal representative of the enterprise withdraws money through mobile banking.
When BOC e-loan expires (excluding the expiration date), the legal representative of the enterprise can initiate online withdrawal of BOC e-loan through personal mobile banking or corporate online banking, and the loan funds will be transferred to the enterprise settlement account agreed in the contract.
Conditions for handling tax loans of China Bank in Yin Zhong, Guangxi
Conditions and requirements for enterprise access:
1. Guidelines for Credit Investment in Credit Factory of Bank of China Limited (2020 Edition) within the credit customer industry;
2. The enterprise has been operating continuously for more than 2 years;
3. The main business experience of the actual controller of the enterprise is more than 4 years;
4. The actual controller of the enterprise has at least one property in Guangxi under the name of himself, spouse or children;
5. Bad credit record standard: the borrower and its actual controller have no bad credit records for three consecutive periods or six cumulative periods in the last 24 months, or the amount of any period exceeds 3,000 yuan and is overdue for more than 30 days;
6, in the last two years, the tax credit rating in the tax department was rated as non-C or D, and there was no administrative punishment by the tax department because of serious circumstances or illegal crimes;
7. The tax payment in the latest year (including value-added tax and enterprise income tax) shall not be less than 300,000 yuan;
8. The main management of the enterprise has opened VIP cards and credit cards in BOC;
9. The credit rating of the enterprise in BOC should be above BBB- (inclusive), and the credit rating that needs to be given the loan amount should be above BBB- (inclusive);
10. After China Bank granted credit, the asset-liability ratio of manufacturing enterprises should be below 65% (inclusive), and the asset-liability ratio of commercial circulation and service enterprises should be below 70% (inclusive); The proportion of enterprises handling settlement business in China Bank shall not be less than the credit share of China Bank;
1 1. The actual controller (legal representative or main operator) of the company and his spouse provide personal joint liability guarantee for all credit businesses;
12. The enterprise opens a basic settlement account or a general deposit account in China Bank.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
What are the access standards for BOC wealth management customers?
Access standards for wealth management customers of China Bank:
Meet any of the following criteria to become a wealth management customer of China Bank:
1. The average monthly and daily financial assets in China Bank have reached the equivalent of more than RMB 200,000 (inclusive).
2. The accumulated consumption before using China Bank Credit Card 12 months is equivalent to RMB 654.38+10,000.
3. At the end of the month, the balance of personal loans handled by BOC reached the equivalent of more than RMB 500,000.
Due to differences in business in different regions, please contact BOC outlets or call BOC customer service hotline 95566 for details.
Tips:
1. Consumption statistics: excluding large-scale credit card consumption such as house purchase, car purchase and decoration, with a one-time amount exceeding 654.38+10,000 yuan, and zero discount rate for merchant consumption (such as primary and secondary schools, ordinary universities, charitable social welfare organizations, tax payment and other non-profit organizations);
2. Loan statistics: normal balance.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
What are the requirements for China Bank to handle the mortgage business of Fujian SMEs?
Conditions for handling mortgage loans of China Bank's small and medium-sized enterprise factories in Fujian Province:
1, which meets the customer access requirements of credit factories;
2. The operating years of the borrower, or the main business experience of its legal representative/actual controller has reached more than 2 years;
3. The borrower and its legal representative, major shareholders and actual controllers have no bad credit records in the bank; A good credit record in the corporate credit information system and personal credit information system of the People's Bank of China (a good credit record means that the enterprise has no outstanding bad credit record in the credit information system of the People's Bank of China, and no debt restructuring has occurred in the bank within three years; Individuals have no outstanding bad credit records in the credit information system of China People's Bank, and no malicious overdue repayment records);
4. There is no relationship between the borrower, the developer and the seller;
5. The house purchase contract has been signed (except through court auction), and the demand for loan funds is true and reliable;
6. The part of the loan that has been paid or has the ability to pay is not less than the total purchase price of the plant.
7. Make a written commitment to mortgage the right to use the factory building and the attached objects on the ground to our bank, and complete other warrants in time.
8. Other conditions required by China Bank.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.