Business introduction of Bank of Qingdao

1. Business introduction:

Qingdao Bank personal online banking refers to an online bank that provides individual customers with financial services such as account inquiries, transfers and remittances, payment, investment and financial management through the Internet. channel. Qingdao Bank's personal online banking is divided into wealth version and life version. The Life Edition can quickly check your account balance, account transaction details, and handle life payments; the Wealth Edition can not only handle all the businesses of the Life Edition, but also handle various types of transfers and remittances, personal loans, investment and financial management and other businesses.

2. Service functions

1. Online banking calendar. Set various reminder messages, such as repayment reminders, event reminders, etc. Not only can it effectively avoid financial and credit losses caused by various types of overdue repayments, but it can also become a good helper in your life.

2. Application Center. You can realize the functional link of all online banking, and you can also set up your personalized application and set reminder days to remind you of matters.

3.My account. You can query personal account information, such as personal assets and liabilities, account transaction details, etc., and manage personal accounts.

4. Transfer money. Make transfers and remittances to our bank's accounts and accounts in other banks across the country.

5. Payment. Through this function, you can make online payments, activate and use the online payment function, and realize online shopping.

6. Investment and financial management. Operations such as time deposits, funds, wealth management products, and online treasury bonds can be realized, such as converting current deposits to time deposits, purchasing wealth management products issued by Bank of Qingdao, etc.

7. Personal loan. You can check loan information and conduct loan calculations. If you have opened the online borrowing and repaying business, here we provide you with the "self-service borrowing", "self-service repayment" and limit inquiry functions for revolving loans.

8. Credit card. Credit cards provide basic and commonly used credit card business functions.

9. Personal settings. Provide you with personalized settings, log query, security settings, password modification, life version transfer settings and other service functions. Mobile banking is a service provided by Bank of Qingdao to customers to handle financial services online through mobile phones and other mobile terminals. It can not only realize account inquiry, transfer and remittance, bill payment, bank-securities transfer and investment and financial management, but also realize the purchase of air tickets, movie tickets, lottery tickets, etc. that are closely related to life, traffic violation inquiry and payment, and preferential merchants Inquiry and other services.

Service functions

1. Account management: Inquire about the bank's account assets, liabilities and transaction details, handle emergency loss reports, and inquire about the account status of other banks that have signed contracts.

2. Time deposit: realize the mutual transfer between your current deposit and time deposit, call deposit, and automatic call deposit.

3. Transfers and remittances: handle intra-bank, inter-bank, same-city, and long-distance transfers and remittances, as well as deductions from contracted accounts in other banks.

4. Investment and financial management: realize the mutual transfer of funds between bank accounts and securities accounts.

5. Bill Payment Pass: Pay electricity bills, utility bills, heating bills, cable TV bills, China Unicom communication fees, telecommunications communication fees, etc.

6. Mote donation: Make a loving donation to the Red Cross.

7. Calendar reminder: Realize reminders for financial and non-financial matters such as transfers, payments, financial management expirations, birthdays, etc., and provide fast transaction channels.

8. My application: By establishing common transaction templates, you can quickly handle transfers and payment transactions.

9. Traffic violations: Check vehicle violation information and pay fines.

10. Air ticket booking: Inquiry and book domestic and international flights, self-service check-in.

11. Mobile phone recharge: handle the recharge of mobile phone charges for China Mobile, China Unicom and China Telecom.

12. Lottery: Purchase lottery tickets with different playing methods such as Welfare Lottery and Double Color Ball.

13. Movie tickets: Easily purchase electronic movie tickets from major theaters across the country and choose your own seat to watch the movie.

14. Game point cards: Purchase mainstream game point cards and recharge your account.

15. Promotional activities: Check recent discount information.

16. Product News: Check recent new product information.

17. Preferential merchants: Check for preferential merchants and discount information on food, leisure and entertainment, car wash, fitness, etc.

18. Outlet inquiry: Inquire about bank outlets, self-service banking, self-service equipment, and preferential merchant map information.

19. Bank announcement: Check recent announcement information.

20. Contact us: For enquiries, you can directly call the customer service hotline. The "Hairong Wealth" series of RMB personal financial plans are managed and operated by Qingdao Bank. They mainly invest in high-quality financial assets with low risks and stable returns. . This series of products has rich types and high yields, making it an effective tool for investors in asset allocation. So far, all maturity products of the "Hairong Fortune" series have achieved expected returns.

Product Category

"An Ying" Series

Product Level: Discreet Product (★)

Sales Starting Point: RMB 50,000 Yuan and above

Asset investment: including but not limited to treasury bonds, financial bonds, central bank bills, bank deposits, etc.

Product features: high security, fixed income

"Stable Win" series

Product level: cautious product (★)

Sales starting point: RMB 50,000 and above

Asset investment: including but not limited to treasury bonds, financial bonds, central bank bills, interbank deposits, interbank placements, bond reverse repos, bank deposits, etc.

Product features: high safety, stable income

"Chuangying" series

Product level: Robust products (★★) and above

Sales starting point: RMB 50,000 and above

Asset investment: including but not limited to treasury bonds, financial bonds, central bank bills, interbank deposits, interbank placements, bond reverse repos, bank deposits, trust plans, etc.

Product features: higher safety, high yield

"Exclusive" series

Product level: Robust products (★★) and above

Sales starting point: RMB 1 million and above

Asset investment: including but not limited to treasury bonds, financial bonds, central bank bills, interbank deposits, interbank placements, bond reverse repos, banks Deposits, trust plans, etc.

Product features: Exclusive products for wealth and private banking customers, high yield

"Money Tide" series

Product level: Robust Products (★★) and above

Sales starting point: RMB 100,000 and above

Asset investment: including but not limited to treasury bonds, financial bonds, central bank bills, interbank deposits, and placements Interbank, bond reverse repurchase, bank deposits, trust plans, etc.

Product features: targeted appointment sales for mid-to-high-end customers, ultra-high yield

"Daily salary" financial management

1. Product Introduction

The "Daily Salary" RMB personal financial plan is an open RMB financial product issued for individual customers and invested and operated by Qingdao Bank.

2. Product investment direction and rating

Investment direction: money market instruments (0-80), bonds and other fixed income assets (10-100), asset management plans and other non-standard Assets (0-35), others (0-20).

Product type: non-guaranteed floating income type, Qingdao Bank’s internal product rating is a stable product ★★ At present, Qingdao Bank cards are divided into two types: debit cards and business cards, Qingdao Bank’s main brand of debit cards For Hairong, Hairong cards are divided into six levels according to different assets: regular card, gold card, platinum card, diamond card, wealth card and private bank card. In addition, Hairong card also includes a variety of themed cards such as Weichen card.

"Hairong Card" is a debit card issued by Qingdao Bank and uses "Financial Flower" as its design carrier.

The "Hirong Theme Card" is jointly issued by Qingdao Bank and its cooperative units. On the basis of integrating traditional financial functions, it also adds unique theme activities or services, including Mochen Card etc.

Business card is a UnionPay standard credit card issued for the daily official expenses and financial reimbursement of fiscal budget units, as well as personal consumption. Qingdao Bank's personal consumption loans include Kuaiyidai, Fangyidai, Cheyidai, Xinyidai, Nongyidai, etc. For details, please contact the personal credit department of each branch.

1. Kuaiyidai

“Government Procurement Loan” loan

“Government Procurement Loan” loan business refers to Qingdao Bank’s loan business for enterprises that win bids for government procurement projects. Personal loans issued by legal representatives or major shareholders for the purpose of purchasing the goods (technology) they won the bid for.

"Anjudai" loan

"Anjudai" is an unsecured, unsecured pure credit loan based on residential quarters and launched for customers with real estate. It refers to Bank of Qingdao Loans issued to qualified natural persons for legitimate and compliant purposes such as borrowers and their family's business operations or car purchases, renovations, travel, education, purchase of large-amount durable consumer goods, etc.

"Partner Loan" loan

"Partner Loan" loan business refers to the personal credit loan business that lending institutions issue to their operators based on the operating conditions, assets and credit status of surrounding merchants. .

"Credit Enhancement" Loans

"Credit Enhancement" refers to personal loan customers with a certain asset size, good credit, and sufficient cash flow. After loan risk assessment, Qingdao Bank On the basis of real estate mortgage credit, a certain credit limit is added to increase customer stickiness and contribution.

2. Fangyidai

"Personal real estate mortgage loan" Real estate mortgage loan

"Personal real estate mortgage loan" refers to the purchase of a house by a real estate developer from a real estate developer When buying a house, after paying the down payment of the specified house price, the purchased house is used as a mortgage and a loan is applied to the bank to pay for the remaining purchase price.

Personal real estate mortgage loans include personal housing mortgage loans and personal commercial housing mortgage loans. For personal housing mortgage loans, you can apply for a housing provident fund portfolio loan.

"Personal second-hand housing loan"

"Personal second-hand housing loan" refers to the purchase of housing or commercial housing by individuals who have real estate rights certificates and can be traded on the market. When you pay a certain percentage of the down payment, you use the purchased property as a mortgage and apply to the bank for a loan to pay for the rest of the purchase price.

Personal second-hand housing loans include personal second-hand housing loans and personal second-hand commercial housing loans. On the basis of traditional international business varieties, the Trade Finance Division has successfully launched the professional brand "Trade Finance", including domestic letters of credit, domestic and international factoring, RMB cross-border financing, structured order financing, process-based movable asset financing and letters of guarantee Six major product segments, comprehensively build a first-class supply chain financing platform in China.

Being the first to implement the divisional operation model among city commercial banks nationwide, it has a professional product marketing team and risk review team, truly realizing unified management of markets and risks, greatly simplifying internal processes, and improving efficiency. Decision-making and approval efficiency. The professional team can tailor-make domestic and foreign trade linked trade financial products for customers and provide fast and personalized services. It is your first choice for domestic and international trade finance business.

The main businesses include domestic letters of credit, domestic and international factoring, RMB cross-border financing, structured order financing, process movable property financing, letters of guarantee, agency banking services, etc.

Since its establishment, Bank of Qingdao has been in the same boat as the local economy through thick and thin, built mutual trust and mutual benefit with local residents, and worked hand in hand with small and medium-sized enterprises to achieve win-win cooperation. In terms of services to small and medium-sized enterprises, Bank of Qingdao has always adhered to the service tenet of "based on the local economy and small and medium-sized enterprises" and adhered to the service concept of "efficient, flexible, innovative and professional".

Mechanism innovation to adapt to the credit requirements of small businesses.

In 2009, Bank of Qingdao established the Small Business Business Department, a head office-level small business specialized agency, which is directly responsible for the operation and management of small business loans across the bank, achieving centralized, simple and efficient operation of small business loans to adapt to the current situation. Small Business Financial Services Requirements.

Product innovation is targeted at the different characteristics of small businesses.

Joined with the Qingdao Municipal Youth League Committee to launch the "Qingyidai" business specifically for young entrepreneurial enterprises, it has issued a total of 400 million yuan in loans and directly supported more than 500 entrepreneurial enterprises. The Qingyidai business was approved by Vice Mayor Qin Min of the municipal government. The Working Committee of the Financial League of the Party Central Committee made a special trip to our bank to investigate the Qingyidai business.

We cooperated with the Qingdao Municipal Science and Technology Bureau to launch the "Keyi Loan" business specifically for technological innovation enterprises, innovating the guarantee method and introducing a risk reserve mechanism to ensure that high-quality innovative technological enterprises receive financial support.

The joint guarantee loan business breaks through the guarantee restrictions and realizes joint loans and shared responsibilities among small business customers. A series of products such as equipment loans, operating loans, and secured loans are tailored to the characteristics of different small businesses, greatly meeting the financial needs of all types of small business customers.

Process innovation reflects the timeliness characteristics of small businesses.

Simplify the credit granting process, implement rapid investigation by account managers, forward review by risk managers, and batch processing by approval supervisors, realize process-based and wholesale operations of small business loan business, and create a "credit factory" model. The credit review system of “two forms, two votes, and two orders” was innovatively proposed to simplify data collection, highlight the understanding of the actual situation of small businesses, and focus on the effectiveness of investigations.

Small business financing service products

Small business financing service products mainly include Baoyidai, Guayidai, Quality loan, Press loan, Trade loan, Billidai, Featured Loans, etc. For details, please contact the corporate banking department of each branch.