How to operate the commercial loan of mobile banking in rural credit cooperatives?

First, how to operate the commercial loan of mobile banking in rural credit cooperatives?

1. First, the applicant should confirm that the rural credit cooperative where he is located has signed a commercial loan contract;

2. Complete and accurately fill in and submit relevant materials needed for preparing commercial loans, such as business information and credit information;

3, fill in the rural credit cooperatives mobile banking loan application form, and carefully fill in the mobile banking loan type;

4. Submit the commercial loan application form and all materials required for the approval of commercial loans to rural credit cooperatives, and provide SMS confirmation of mobile phone verification code according to the pre-application needs and requirements;

5. The rural credit cooperatives will send the loan confirmation letter to the application manager's mobile phone after the income and expenditure are verified correctly, and the content of the short message shows that the loan is successful;

6. The applicant can query the loan receipt in real time according to the SMS, and the loan amount will be directly distributed to the applicant's account, and the user can query it in the mobile banking;

7. The applicant fulfills all loan agreements, repays on schedule and maintains credit.

Second, how to use rural commercial banks and mobile banking?

1, download and install "Rural Credit Bank Mobile Banking" on the mobile phone, and open it to enter the next interface, as shown in the figure. 2. Click "Mobile Banking" on the main page to enter the next interface, as shown in the figure. 3. Select "Popular Edition" to enter the next interface, as shown in the figure. 4. Fill in the login information, and fill in the "ID number", "initial login password" and "click login" when you start logging in, as shown in the figure. 5. Then "authenticate", enter the ID number, rural commercial bank and transaction password, and click "Next" to enter the next interface, as shown in the figure. 6. When logging in to a new account, you need to reset the login password. Enter the new login password twice, get the verification code of the mobile phone, and click "Submit" to modify the new password successfully, as shown in the figure. 7. Then log in again with your ID card and revised password, and click "Enter Home Page" to enter the next interface, as shown in the figure. 8. Enter the main page, and you can perform operations such as balance inquiry, transfer, bill payment and account information inquiry, as shown in the figure. Jiang Liming, director of the supervision department of cooperative financial institutions of China Banking Regulatory Commission, said that no new rural cooperative banks will be established, and all rural cooperative banks will be transformed into rural commercial banks. Cancel the qualification shares in an all-round way and encourage qualified rural credit cooperatives to be restructured into rural commercial banks. On the premise of maintaining the overall stability of the legal person status of counties (cities), we will steadily promote the reform of provincial associations, and gradually build a new relationship between provincial associations and grass-roots legal entities with property rights as the link, equity as the link and supervision as the constraint, so as to truly form the same interests between provincial associations and grass-roots legal entities. References:

Rural Commercial Bank _ Baidu Encyclopedia

3. How to get a loan on the mobile phone of a commercial bank?

This is the application channel: WeChat official account, mobile banking, online banking and telephone customer service.

1. Industrial and Commercial Bank of China-industrial and commercial consumer loans-online banking or personal loans, ICBC consumer loans-ICBC quality customers or customers with business contacts.

2. Agricultural Bank of China-Capgemini Loan-Personal Service-Loan-Special Loan-Capgemini Loan, a high-quality customer of Agricultural Bank of China, needs a savings card of Agricultural Bank of China to apply.

3. China Construction Bank-Express E-Loan-Mobile Banking-Online Banking. If there is a window, sign the contract directly, and the next paragraph can be printed out by pos.

4. Bank of China-BOC e-loan-BOC quality customers-application for BOC e-loan app invitation.

5. Pufa Universal Fund-mobile banking, official account of Pufa WeChat, online banking and telephone customer service, all of which can be applied in seconds and received in seconds.

Fourth, how to borrow money on the mobile phone of rural credit cooperatives?

Mobile banking of rural credit cooperatives can not handle loans, but should be handled in the business hall of local banks.

Mobile banking related business of rural credit cooperatives:

1, personal housing loan business

Personal housing loan business includes loans granted by natural persons to purchase, build and overhaul various types of housing in Chinese mainland cities and towns.

Housing loans issued by China Construction Bank should include personal housing mortgage loans (including personal housing loans, second-hand housing loans, commercial housing loans, personal housing mortgage loans, etc.). ), provident fund personal housing loans and personal housing portfolio loans.

CCB supports the reasonable housing loan demand of residents' families. The minimum down payment ratio of the loan is 30%, and the lower limit of the loan interest rate is the benchmark interest rate, which is determined according to the borrower's purchase situation, credit record, repayment ability and other factors.

2. Credit card business

China Construction Bank, as a state-owned bank that set foot in issuing credit cards earlier in China, has many.

China Construction Bank is well-known, and the types of dragon cards that have been publicly issued are: Dragon Card Famous School Card, Dragon Card Business Card, Dragon Card Automobile Card, Hong Kong Wonderful Travel Credit Card, Construction, Mango Travel Dragon Card and Dragon Card (Cup).

3. Silver Star International Express

CCB Silver Star International Express Remittance Business is an international express remittance business between CCB and the people, which refers to a small international remittance business in which the company remits personal overseas funds.

Therefore, mobile banking of rural credit cooperatives cannot handle loans.

Extended data:

The role of mobile banking in rural credit cooperatives;

1. Consume first and then repay, and enjoy an interest-free repayment period (up to 56 days) with a minimum repayment amount. Customers need to pay a certain annual fee to the applicant bank.

2. Prepaid wallet debit card that transfers funds to the card for storage according to the cardholder's requirements and directly deducts money from the card during the transaction.

3. The cardholder should first deposit a certain amount of credit card in the bank designated by the issuing bank according to the requirements of the bank.

4. Interest is paid on deposits, and credit cards are used by people, with functions such as transfer settlement, cash deposit and withdrawal, credit consumption and online banking transactions. When spending by credit card, the cardholder can overdraw and withdraw cash within the specified limited credit limit, and charge a certain fee.