Products and services of Jining Bank

(2) Short-term, medium-term and long-term loans;

(3) Handling the settlement;

(4) Handling bill acceptance and discount;

(5) Issuing financial bonds.

(6) Acting as an agent to issue, honor and underwrite government bonds;

(7) buying and selling government bonds and financial bonds;

(eight) engaged in interbank lending;

(9) Providing letter of credit services and guarantees;

(10) Agency for receipt and payment and insurance agency business;

(eleven) entrusted deposit and loan business;

(12) Providing safe deposit box services;

(13) Other businesses approved by the banking regulatory agency.

With the approval of the People's Bank of China, banks can engage in foreign exchange settlement and sale. Shandong is the birthplace of Confucianism, and Qufu in Jining is the hometown of Confucius. Many Confucian sages were born in Jining. There are many saints in front of Confucius. As the representative of local financial institutions in Jining, Jining Bank has the responsibility to carry forward the brand of "Confucian businessmen" with profound cultural connotation, and to go out of Jining, Shandong and the world, serve global entrepreneurs and help the elite of Confucian businessmen.

In 2009, Jining Bank issued the first UnionPay debit card-Confucian merchant card, which benefited the local people.

Confucianism, benevolence-oriented, self-cultivation, career, WTO entry, righteousness and benevolence;

Businessmen, hong merchants, sell goods, benefit thousands of households, manage carefully, and get rich at profit.

The combination of the two has the ideological significance of "multiplying righteousness" and "helping the world and the people"

Confucian merchant card integrates the four characteristics of convenience, intimacy, saving money and safety with multiple functional advantages, and truly saves money, time and labor for customers. It has many functions, such as ATM transaction, POS consumption, automatic financial management, annual fee exemption, collection and payment on behalf of others, SMS notification, one card with many accounts, cash deposit and withdrawal, telephone banking and so on. Product category diagram

Full-featured, good service, convenient and fast.

★ATM transaction: With the Confucian merchant card, you can deposit and withdraw money, modify passwords, inquire and transfer money at the ATM of Jining Bank, and you can also withdraw money and inquire at the ATM marked "UnionPay".

★POS consumption: Customers with "Confucian Merchant Card" can spend and shop on all public POS machines that have joined "UnionPay" without any charge.

★ Automatic financial management: A simple and practical deposit reservation method is adopted to provide customers with convenient, safe, flexible and diverse financial management services, which will bring customers the maximum deposit interest income.

★ SMS notification: cardholders can enjoy five types of SMS services: POS, ATM, counter, withholding and business reminder.

★ Remittance collection: you can handle the business of paying wages or collecting water charges, telephone communication fees, heating fees and so on.

★ One-card multi-account: RMB deposit and withdrawal can be handled in one card of Confucian merchant card, such as current deposit, fixed deposit and withdrawal, lump-sum deposit and withdrawal, etc. 1, annual fee of Confucian merchant card

2. Confucian merchant card account opening fee

3, Confucian merchant card fees

4. Small account management fee

5. Password loss reporting service fee

6. Loss reporting fee for Confucian merchant card

7. Card replacement fee

8. Consumer handling fee

9. Inter-bank ATM withdrawal fee in different places

10, ATM cross-bank inquiry fee

1 1, ATM transfer (in-system) service fee

12, local ATM interbank withdrawal fee

13, automatic wealth management service fee

14, collecting and paying the service fee.

15, personal loan service fee

16, deposit and withdrawal fee for "Counter Connect"

Advantage 1: automatic financial management benefits are more convenient and labor-saving.

Automatic financial management business is to provide customers with convenient and safe financial management services by using simple and practical deposit reservation methods, and bring customers the maximum interest income from deposits in line with the principle of maximizing the income of individual customers. Converting current account to fixed account: inform the bank of the deposit term you choose, and fill in the minimum amount and transfer base. The maximum term is one year. If the funds are used during the financial management, the interest will be calculated at the regular interest rate of the actual deposit period (such as 3 months, 6 months, 1 year), and if the deposit period exceeds 3 months but less than half a year, the interest will be calculated at the regular interest rate of 3 months; For more than half a year but less than one year, interest shall be calculated at a fixed interest rate for half a year; Interest is calculated at a fixed rate for one year.

Advantage 2: Counter service-solving customers' concerns about deposit and withdrawal in different places.

Loan type

Personal Loan Lender of Jining Bank: Jining Bank Institution Type: Microfinance Bank Loan Type: Guaranteed Loan Repayment Method: Loan Maturity Amount: 1.00-3 million Applicable Area: Jining Loan Currency: RMB Applicable People: Corporate and Individual Industrial and Commercial Households Loan Interest Rate: 0.60%-0.70% Loan Term:1.00 months.

Personal business loans refer to RMB-guaranteed loans issued by Jining Bank to borrowers to meet their liquidity financing needs for legitimate investment and business activities. The loan object is a natural person with full civil capacity in China. The loan term generally does not exceed 1 year, and the longest is 3 years. Loan Amount The maximum amount of a single loan shall not exceed 3 million yuan and meet the following requirements: ● If the loan is applied by pledge, the maximum amount of the loan shall not exceed 90% of the face value of the pledge; ● When applying for a loan by mortgage of a personal commercial house or a property under the name of the company, the maximum loan amount shall not exceed 70% of the transaction price or assessed value of the house; ● If you apply for a loan by personal housing mortgage (2 or more houses are required), the maximum loan amount shall not exceed 50% of the transaction price or assessed value of the house; ● If the guarantor applies for a loan, the maximum loan amount shall not exceed the comprehensive guarantee capacity of the guarantor.

Product advantages:

1, the loan amount is high, up to 3 million.

2. The loan term is long, up to 3 years.

3. The guarantee method and repayment method are flexible.

Loan terms:

1, with local permanent residence or valid residence certificate;

2. I and the business entity have good credit records and are willing to repay;

3. The operation complies with national laws, regulations and relevant policies;

4, with a stable source of income and the ability to repay the loan principal and interest on time;

5. Provide bank-approved guarantee.

Application materials:

1. Original and photocopy of valid identity documents, marriage certificates, household registration books or other valid residence certificates of you and your spouse;

2. Information about the business entity of you and your spouse;

3. Guarantee documents such as mortgage, pledge or guarantee;

4. Other documents or materials required by Jining Bank.