China Construction Bank understands your product introduction.

CCB understands that your product introduction is as follows:

First, fast credit loans.

"Fast credit loan" business refers to the whole process of self-service credit loan business handled by CCB through Internet channels based on the data of financial assets, mortgage, POS transactions and tax payment of small and micro enterprises and business owners.

1, applicable object

Small and micro enterprises and individual industrial and commercial households approved and registered by the State Administration for Industry and Commerce. Focus on supporting small and micro enterprise customers with stable financial assets of CCB.

2. Loan amount

The maximum loan amount for a single household is 3 million yuan.

3. Loan term and interest rate

(1) The maximum validity period of the loan line shall not exceed 1 year, and the borrower may apply for withdrawal at any time within the approved validity period.

(2) According to the LPR interest rate benchmark of the People's Bank of China and the operating conditions of small and micro enterprises (individual industrial and commercial households), it is reasonably determined.

4. Basic conditions

(1) The owner of the business is a citizen of Chinese mainland, aged 18, and no more than 65 years old.

(2) Enterprises and business owners have good credit.

(3) The enterprise and the actual controller of the enterprise have business dealings with CCB and have financial assets in CCB.

5. Product characteristics

(1) Credit loan, free of mortgage and guarantee.

(2) the whole process is handled online.

(3) For personal use, borrowing and repayment, the interest shall be calculated according to the actual amount of use and the number of days.

Step 6: Process

1, method 1:

(1) Enterprise online banking authorization.

(2) Accept authorization through personal online banking/personal mobile banking/intelligent teller machine, and complete loan application, approval, contract signing, withdrawal and repayment online.

2. Method 2:

(1) Download the "CCB knows you" APP.

(2) Registered binding enterprise. Click "I want a loan" to bind the affiliated enterprise. Those who open an account in CCB can apply for a loan. If you haven't opened an account with CCB, you can make an appointment to open an account.

(3) loan application. Enterprises carry out online authorization, loan application, contract signing, disbursement and repayment.

Second, cloud tax loans

"Cloud tax loan" business refers to the recyclable RMB credit loan business handled by CCB based on the tax-related information of small and micro enterprises, using big data technology for analysis and evaluation, and adopting online self-service loan process.

1, applicable object

Small and micro enterprises and individual industrial and commercial households approved and registered by the State Administration for Industry and Commerce focus on small and micro enterprises that pay taxes in good faith.

2. Loan amount

The single-family loan amount is up to 5 million yuan.

3. Loan term and interest rate

(1) The maximum validity period of the loan line shall not exceed 1 year, and the borrower may apply for withdrawal at any time within the approved validity period.

(2) According to the LPR interest rate benchmark of the People's Bank of China and the operating conditions of small and micro enterprises (individual industrial and commercial households), it is reasonably determined.

4. Basic conditions

(1) The owner of the business is a citizen of Chinese mainland, aged 18, and no more than 65 years old.

(2) Enterprises and business owners have good credit.

(3) The enterprise pays taxes in good faith, and the total amount of tax paid in recent 12 months is more than 5,000 yuan (inclusive).

(4) The latest tax credit rating result of the enterprise is Grade A, Grade B or Grade M. ..

(5) The enterprise has been established and actually operated for more than 2 years (inclusive).

5. Product characteristics

(1) Credit loan, free of mortgage and guarantee.

(2) the whole process is handled online.

(3) For personal use, borrowing and repayment, the interest shall be calculated according to the actual amount of use and the number of days.

Step 6: Process

1, method 1:

(1) Enterprise online banking authorization.

(2) Accept authorization through personal online banking/personal mobile banking/intelligent teller machine, and complete loan application, approval, contract signing, withdrawal and repayment online.

2. Method 2:

(1) Download the "CCB knows you" APP.

(2) Registered binding enterprise. Click "I want a loan" to bind the affiliated enterprise. Those who open an account in CCB can apply for a loan. If you haven't opened an account with CCB, you can make an appointment to open an account.

(3) loan application. Enterprises carry out online authorization, loan application, contract signing, disbursement and repayment.

Third, the first household fast loan

"One-time quick loan" is a full-process online credit loan business handled by China Construction Bank through Internet channels based on multi-dimensional data such as basic information, business information and credit information of small and micro enterprises and business owners, using big data technology for analysis and evaluation.

1, applicable object

Small and micro enterprises and individual industrial and commercial households approved and registered by the State Administration for Industry and Commerce.

2. Loan amount

The single-family loan amount is up to 5 million yuan.

3. Loan term and interest rate

(1) The maximum validity period of the loan line shall not exceed 1 year, and the borrower may apply for withdrawal at any time within the approved validity period.

(2) According to the LPR interest rate benchmark of the People's Bank of China and the operating conditions of small and micro enterprises (individual industrial and commercial households), it is reasonably determined.

4. Basic conditions

(1) The owner of the business is a citizen of Chinese mainland, aged 18, and no more than 65 years old.

(2) Business owners and businesses have good credit.

(3) There is a settlement account in our bank, and there is no credit in our bank.

(4) There is a credit card in use.

(5) Enterprise establishment 1 year.

5. Product characteristics

(1) Credit loan, free of mortgage and guarantee.

(2) the whole process is handled online.

(3) For personal use, borrowing and repayment, the interest shall be calculated according to the actual amount of use and the number of days.

Step 6: Process

Self-service application of the whole bank can be made through the "CCB knows you" app.

Fourth, the merchant's cloud loan

"Merchant Cloud Loan" is a full-process online credit loan business handled by China Construction Bank through Internet channels, based on multi-dimensional data such as basic information, business information, la carra+ UnionPay+online transaction information of merchants and their business owners.

1, applicable object

Individual industrial and commercial households approved and registered by the State Administration for Industry and Commerce.

2. Loan amount

The maximum loan amount for a single household is 3 million yuan.

3. Loan term and interest rate

(1) The maximum validity period of the loan line shall not exceed 1 year, and the borrower may apply for withdrawal at any time within the approved validity period.

(2) According to the LPR interest rate benchmark of the People's Bank of China and the operating conditions of small and micro enterprises (individual industrial and commercial households), it is reasonably determined.

4. Basic conditions

(1) The enterprise was established 1 year or more (inclusive).

(2) Open a unit or individual settlement account in China Construction Bank.

(3) Enterprises use China Construction Bank to collect products for more than 1 year (inclusive).

(4) The credit information of business owners and enterprises is good.

(5) The business owner is a citizen of Chinese mainland, with the age of 18 and no more than 65 years old.

5. Product characteristics

(1) Credit loan, free of mortgage and guarantee.

(2) the whole process is handled online.

(3) For personal use, borrowing and repayment, the interest shall be calculated according to the actual amount of use and the number of days.

Step 6: Process

Through the "CCB knows you" APP, self-service of the whole bank can be realized.

Verb (abbreviation of verb) is a business loan.

"Shangye Cloud Loan" is a working capital loan or personal business loan business handled by CCB for qualified customers based on the business information of tobacco monopoly retailers and using big data technology for analysis and evaluation.

1, applicable object

Small and micro enterprises and individual industrial and commercial households approved and registered by the State Administration for Industry and Commerce. There is a record of tobacco detention.

2. Loan amount

The maximum loan amount for a single household is 2 million yuan.

3. Loan term and interest rate

(1) The maximum validity period of the loan line shall not exceed 1 year, and the borrower may apply for withdrawal at any time within the approved validity period.

(2) According to the LPR interest rate benchmark of the People's Bank of China and the operating conditions of small and micro enterprises (individual industrial and commercial households), it is reasonably determined.

4. Basic conditions

(1) The enterprise has been established for more than 2 years (inclusive).

(2) Tobacco withholding exceeds 12 months.

(3) The credit information of business owners and enterprises is good.

(4) The business owner is a citizen of Chinese mainland, with the age of 18 and no more than 65 years old.

5. Product characteristics

(1) Credit loan, free of mortgage and guarantee.

(2) the whole process is handled online.

(3) For personal use, borrowing and repayment, the interest shall be calculated according to the actual amount of use and the number of days.

Step 6: Process

Through the "CCB knows you" APP, self-service of the whole bank can be realized.

Sixth, cloud loan settlement

"Settlement Cloud Loan" is a full-process self-service credit loan business issued by CCB to small and micro enterprises with stable settlement and certain capital precipitation according to the settlement status of small and micro enterprises and business owners.

1, applicable object

Small and micro enterprises approved and registered by the State Administration for Industry and Commerce.

2. Loan amount

The maximum loan amount for a single household is 2 million yuan.

3. Loan term and interest rate

(1) The maximum validity period of the loan line shall not exceed 1 year, and the borrower may apply for withdrawal at any time within the approved validity period.

(2) According to the LPR interest rate benchmark of the People's Bank of China and the operating conditions of small and micro enterprises (individual industrial and commercial households), it is reasonably determined.

4. Basic conditions

(1) The enterprise has been established for more than 2 years (inclusive).

(2) Opening a company settlement account 1 year or more.

(3) Have a stable settlement.

(4) The credit information of business owners and enterprises is good.

(5) The business owner is a citizen of Chinese mainland, with the age of 18 and no more than 65 years old.

5. Product characteristics

(1) Credit loan, free of mortgage and guarantee.

(2) the whole process is handled online.

(3) For personal use, borrowing and repayment, the interest shall be calculated according to the actual amount of use and the number of days.

Step 6: Process

Through the "CCB knows you" APP, self-service of the whole bank can be realized.

Seven, cloud power loan

"Cloud Power Loan" is a full-process self-service credit loan business issued by China Construction Bank to small and micro enterprises that use electricity, which is based on the electricity consumption information of enterprises and used for short-term production and operation turnover.

1, applicable object

Small and micro enterprises approved and registered by the State Administration for Industry and Commerce.

2. Loan amount

The maximum loan amount for a single household is 2 million yuan.

3. Loan term and interest rate

(1) The maximum validity period of the loan line shall not exceed 1 year, and the borrower may apply for withdrawal at any time within the approved validity period.

(2) According to the LPR interest rate benchmark of the People's Bank of China and the operating conditions of small and micro enterprises (individual industrial and commercial households), it is reasonably determined.

4. Basic conditions

(1) The enterprise has been established for more than 2 years (inclusive).

(2) The current power consumption status is normal and stable.

(3) The credit information of business owners and enterprises is good.

(4) The business owner is a citizen of Chinese mainland, with the age of 18 and no more than 65 years old.

5. Product characteristics

(1) Credit loan, free of mortgage and guarantee.

(2) the whole process is handled online.

(3) For personal use, borrowing and repayment, the interest shall be calculated according to the actual amount of use and the number of days.

Step 6: Process

Through the "CCB knows you" APP, self-service of the whole bank can be realized.

Eight, individual industrial and commercial households operating fast loans

"Fast loans for individual industrial and commercial households" refers to the operating loans issued by China Construction Bank to natural persons with individual industrial and commercial households or sole proprietorship enterprises through Internet channels.

1, applicable object

Individual industrial and commercial households approved and registered by the State Administration for Industry and Commerce. Focus on supporting individual industrial and commercial households with stable financial assets in CCB.

2. Loan amount

The maximum loan amount for a single household is 3 million yuan.

3. Loan term and interest rate

(1) The maximum validity period of the loan line shall not exceed 1 year, and the borrower may apply for withdrawal at any time within the approved validity period.

(2) According to the LPR interest rate benchmark of the People's Bank of China and the operating conditions of small and micro enterprises (individual industrial and commercial households), it is reasonably determined.

4. Basic conditions

(1) The owner of the business is a citizen of Chinese mainland, aged 18, and no more than 65 years old.

(2) The credit status of enterprises and business owners is good.

(3) Open a personal settlement account in China Construction Bank.

(4) Approved and registered by the State Administration for Industry and Commerce, it was established 1 year or more.

(5) Engaged in business in China Construction Bank 1 year.

5. Product characteristics

(1) Credit loan, free of mortgage and guarantee.

(2) the whole process is handled online.

(3) For personal use, borrowing and repayment, the interest shall be calculated according to the actual amount of use and the number of days. Those under 500,000 can be directly credited to personal accounts.

Step 6: Process

(1) Download the "CCB knows you" APP.

(2) Registered binding enterprise. Click "I want a loan" to bind the affiliated enterprise.

(3) loan application. Enterprises carry out online authorization, loan application, contract signing, disbursement and repayment.