Is the interest rate of CCB’s small and micro quick loan high?

Generally speaking, the interest rates of CCB’s small and micro loans are almost the same as those of other platforms and are not very high. The following points can reduce the interest rate of small and micro loans of CCB:

1. Financial assets in CCB

Generally speaking, the more financial assets in CCB, the more The interest rates on small and micro quick loans will also be lower. After all, financial assets such as financial products and account deposits are symbols of a company's repayment ability.

2. Credit situation

When confirming loan interest, CCB Small and Micro Loan will take into account the credit situation of the business owner and the company. If the business owner and the company have good past credit and have a good borrowing record, then the interest rate on the loan will be low.

3. Collateral situation

The more sufficient collateral you provide to China Construction Bank, the lower the loan interest you may receive.

4. Operating conditions

Under normal circumstances, the better the operating conditions of an enterprise, the lower the loan interest charged by CCB’s Small and Micro Quick Loan.

1. Company Profile

China Construction Bank Co., Ltd. is a leading large-scale commercial bank in China, headquartered in Beijing. Its predecessor, China Construction Bank, was established in October 1954. The bank was listed on the Hong Kong Stock Exchange in October 2005 (stock code 939) and on the Shanghai Stock Exchange in September 2007 (stock code 601939). The bank's market value at the end of 2019 was approximately US$217.686 billion, ranking fifth among listed banks in the world. The group ranks second among global banks in terms of Tier 1 capital.

As of 2020, the bank provides customers with comprehensive financial services such as personal banking, corporate banking, investment and financial management, has 14,912 branches, 347,156 employees, and serves hundreds of millions of people. Individual and corporate clients. It has subsidiaries in many industries such as funds, leasing, trusts, insurance, futures, pensions, and investment banks. Its overseas institutions cover 30 countries and regions, and it has more than 200 overseas institutions at all levels.

2. Corporate Logo

China Construction Bank’s inner square and outer circle graphics based on ancient copper coins have clear bank attributes and focus on embodying the “square and circle” characteristics of China Construction Bank. Square represents strictness, standardization, and seriousness; round represents fullness, affinity, and integration.

The changes in the upper right corner of the graphic form an overlapping three-dimensional effect, representing the English abbreviations of "China" and "Architecture", that is: the overlap of two C letters, which means accumulation and symbolizes the accumulation of funds by China Construction Bank. It has developed and grown in the process and provided services for China's economic construction.

The graphic breaks through the closed circle, symbolizing the integration of ancient culture and modern business concepts, and implying that China Construction Bank is rooted in China and facing the world in the new modern economic construction.

The standard color is sea blue, which symbolizes rationality, tolerance, peace and stability, embodies the corporate style of state-owned commercial banks, and implies that China Construction Bank absorbs and accommodates talents and funds from all parties like the sea.