1069 ICBC loan SMS

What is the short message of CCB loan?

1, when the funds in your debit account are insufficient, send a text message to your mobile phone five days in advance: Dear XXX, your loan account in XXXX CCB will be debited 20 1X years ago, and the repayment amount is XXXX. Please deposit it into the debit account in time. [China Construction Bank] 95533 Send this for free, and it's ok after handling the loan. If you open the SMS reminder service, you will receive a short message after deduction: your account with the suffix XXXX will spend XXXX. 20 1X year XX month XX day XX yuan, the transaction is to recover the loan principal and interest. Supplementary information 20 12 On June 8th, the People's Bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8th, 20 12. The benchmark one-year deposit and loan interest rate of financial institutions [2] was lowered by 0.25 percentage points respectively, and the deposit and loan interest rate of housing provident fund was also lowered simultaneously.

On July 6th, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from July 7th, 201/. The benchmark interest rates of one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also raised simultaneously.

On April 5th, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from April 6th, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively.

On February 8, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 9, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.

2010 65438+On February 25th, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 26th. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.

201019 from 201010, the benchmark interest rate of RMB deposits and loans of financial institutions will be raised. The benchmark interest rate for one-year deposits of financial institutions was raised by 0.25 percentage points, from the current 2.25% to 2.50%; The benchmark interest rate for one-year loans was raised by 0.25 percentage points, from the current 5.3 1% to 5.56%; The benchmark interest rates for other grades of deposits and loans will be adjusted accordingly.

165438+2008127 October, starting from 2008127 October, the benchmark interest rate for one-year RMB deposits and loans of financial institutions will be lowered by10.08 percentage point, and the benchmark interest rates for deposits and loans of other maturities will be adjusted accordingly. At the same time, the central bank's refinancing and rediscount rates will be lowered.

On June 29, 2008, from June 30, 2008, the one-year deposit benchmark interest rate was lowered from the current 3.87% to 3.60%, down by 0.27 percentage point; The benchmark interest rate for one-year loans was lowered from the current 6.93% to 6.66%, down by 0.27 percentage points; The benchmark interest rates for other grades of deposits and loans will be adjusted accordingly. The interest rate of individual housing provident fund loans remains unchanged.

On June 8th, 2008, 65438+20081October 9th, the benchmark interest rates for one-year RMB deposits and loans were lowered by 0.27 percentage points each; From June 5438+ 10 to June 5438+May 2008, the RMB deposit reserve ratio of deposit-taking financial institutions was lowered by 0.5 percentage point.

September 15, 2008 From September 16, 2008, the benchmark interest rate for one-year RMB loans was lowered by 0.27 percentage points; From September 25th, 2008, the RMB deposit reserve ratio of deposit-taking financial institutions will be lowered by 1 percentage point.

On February 20, 2007, the benchmark interest rate for one-year deposits was raised by 0.27 percentage points; The benchmark interest rate for one-year loans was raised by 0. 18 percentage points.

On September 15, 2007, the benchmark interest rate of RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On August 22, 2007, the benchmark interest rate of RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On July 20, 2007, the benchmark interest rate of RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

In May 2007 19, the benchmark interest rate for one-year deposits was raised by 0.27 percentage points; The benchmark interest rate for one-year loans was raised by 0. 18 percentage points.

On March 8, 2007, the benchmark interest rate of RMB deposits and loans of financial institutions was raised by 0.27 percentage points.

On August 9, 2006, the benchmark interest rate for one-year deposits and loans was raised by 0.27%.

On April 28th, 2006, the loan interest rate of financial institutions was raised by 0.27% to 5.85%.

On March 17, 2005, the interest rate of housing loan was raised.

On June 29, 2004 10, the one-year deposit and loan interest rates were all raised by 0.27%.

In July 1993, 1 1, the one-year time deposit interest rate was raised from 9. 18% to 10.98%.

1May 1993 65438+1May 1993, the annual interest rate of time deposits of all grades increased by 2. 18% on average, and the interest rates of various loans increased by 0.82% on average.

What should I do if I receive a loan invitation message from the bank? There are three possibilities!

In the Internet age, personal information is flying all over the sky, and many businesses can be handled through the Internet and mobile phones, so information leakage has become a common thing. Do you often receive various bank invitation messages, credit line messages and loan preferential messages in your mobile phone? Is this information true? Today we will briefly introduce the relevant content.

1、

This kind of short message is usually sent by software after the bank has selected many customers. After all, the banking business is under great pressure, and it is necessary to complete monthly, quarterly and annual KPI indicators. Therefore, in order to let more qualified customers get loans and apply for cards, users will be invited by sending short messages, so you don't have to pay special attention to receiving such invitation short messages. If it is really necessary, you can handle the business, if it is not necessary, you can ignore it.

It should be noted that many banks have started to play word games. For example, dear customer, you got a loan of 500,000 yuan. Click receive. In fact, you still have to submit an application when you click in, and the final amount is related to your personal qualifications.

2. Disclosure of personal information

As long as you submit loan information on any platform, your personal information may be leaked, because many third-party platforms will buy and sell customer information with each other, so banks will also know your information through some channels. If you are a potential customer, I will send you a text message.

3, personal qualifications have changed.

Banks will also conduct post-loan management from time to time. If your credit information and financial information change, the bank will get it at the first time, and then match the appropriate loan products and push it to you.

What is the reason for receiving the bank loan text message?

This kind of short message is usually sent after the bank has selected many customers. After all, the banking business is also under great pressure, and it is necessary to complete the monthly, quarterly and annual KPI indicators. Banks will also conduct post-loan management from time to time. If your credit information and financial information change, the bank will get it at the first time, and then match the appropriate loan products and push it to you. It may also be that personal information has been leaked.

Extended data:

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

Regarding the credit status of the borrower, check whether the registered capital of the borrower is consistent with the loan; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

Key Performance Indicators (KPIs) is one of the methods of enterprise performance evaluation, which is characterized by selecting evaluation indicators around key performance areas. This paper introduces the application and characteristics of KPI in common enterprise management education such as MBA, CEO 12 and EMBA.

There are three common key performance indicators: one is benefit indicators, such as asset profitability and profitability; Second, operational indicators, such as department management cost control and market share; Third, organizational indicators, such as satisfaction and service efficiency.

The production process of an enterprise is a process in which workers use labor tools to change their labor objects. Among the three basic elements of enterprise production (labor force, labor materials and labor objects), labor force is the most important factor. Accurate statistics, analysis and prediction of labor productivity indicators are of great significance for enterprises to organize production in an orderly manner, fully develop and rationally use human resources.