1. China Merchants Bank has pledged flash loans, as long as the customer has pledgeable RMB fiduciary financial products, time deposits, and RMB large-denomination certificates of deposit (only card-based ones are acceptable, paper ones are not supported at the moment) ), RMB structured deposits, you can try to apply on the China Merchants Bank mobile banking APP: click "Borrow" - "Pledged Loan" on the mobile banking APP to see all the products that can be pledged under your name, select a product and click "Pledge" , follow the prompts on the page to complete the withdrawal application. (The applicant is 18-60 years old, Chinese nationality, with good credit standing)
2. What are the requirements and scope of the pledge?
1. Currently, we only accept RMB entrusted financial products, time deposits, certificates of deposit, and structured deposits, all of which must be on the card.
2. The risk levels of entrusted financial management must be R1, R2, or R3. Cash currency financial management that does not accept T 0 redemption, such as Chao Chaoying.
3. The time must be met: the expiration date of the pledge - the loan origination date; 1 natural month
4. The amount of a single pledge position must be 10,000 yuan (inclusive) )above.
5. The pledge must be in an unfrozen state (only if entrusted financial management and time deposits are frozen for study abroad purposes, you can try to apply for pledge).
6. When financial management/term deposits are frozen due to the issuance of a deposit certificate for "study abroad needs", they can be used for pledge; abnormal status such as account freeze, account freeze, amount freeze, etc. that occur under other circumstances cannot be For pledge.
Note: Whether the above types of products can be pledged and the customer has a position, please refer to the application interface display! If there is no loan limit on the application interface, it means that the customer's product does not support pledge!
(Response time: October 11, 2019. For the latest business changes, please refer to the official website of China Merchants Bank.)