CCB’s corporate culture

1. CCB’s strategic vision

A world-class commercial bank that provides the best services to customers, creates the greatest value for shareholders, and provides the best development opportunities for employees.

2. China Construction Bank’s mission (slogan)

China Construction Bank builds modern life.

3. Action spirit

Team spirit, professionalism, innovation and dedication.

4. Work style

Be honest and friendly, rigorous and standardized, truth-seeking and pragmatic, hardworking and enterprising.

5. Work Motto

Be dedicated at all times, be sincere everywhere, be rigorous in everything, and strive for excellence.

Business:

Credit funds loans, resident savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgage loans and other businesses.

Type introduction:

1. Personal housing loan business

Personal housing loan business refers to China Construction Bank or China Construction Bank accepting entrustment to purchase property in cities and towns in mainland China. , loans issued by natural persons who build and overhaul various types of houses. China Construction Bank's personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trade loan housing loans, that is, second-hand housing loans, personal commercial housing loans, personal housing mortgage loans, etc.) , provident fund personal housing loans and personal housing portfolio loans.

Starting on October 9, 2014. CCB supports the reasonable housing loan needs of households. For households purchasing their first home with a loan, the minimum down payment ratio is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark loan interest rate. It is determined based on the borrower's home purchase situation, credit record, repayment ability and other factors.

2. Credit card business

As one of the earliest state-owned banks in China to issue credit cards, China Construction Bank already has many types of credit cards.

The credit cards issued by China Construction Bank are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Master Cup) Tennis Card.

3. Silver Star International Money Transfer

CCB Silver Star International Money Transfer Business is a personal international money transfer business jointly launched by China Construction Bank and Silver Star International Money Transfer Company. Upon entrustment by customers, CCB provides small-amount international remittance business through Silver Star Express Company to pay personal overseas foreign exchange remittances or remit personal foreign exchange funds overseas.