Xingtai Bank develops products.

The Small Business Credit Center takes individual industrial and commercial households and micro-enterprises as the service targets, and launches the brand product "Weinan Micro-loan". The center introduces advanced small business credit mechanism and process, and employs experts from Frankfurt School of Finance and Management to guide the micro-loan business, so that customers who have been rejected by banks for a long time have equal financing opportunities.

"Jinan Microfinance" has developed steadily since it started its business in June 20 10. By February 28th, 201/year, the Small Business Credit Center had accepted 1635 applications from microfinance customers and approved 632 loans with a total amount of 60.564 million yuan. At present, the microfinance team in the small business credit center is growing, from the initial 15 microfinance staff to 75 now, and the number of loan applications is also rising month by month. The "Jinan Micro-loan" in the Small Business Credit Center of Xingtai Bank is developing vigorously with an irresistible momentum.

The intended use of the loan

Weinan Microfinance is dedicated to solving the financing problems of micro-enterprises and individual industrial and commercial households. Customers involved in production and processing, trade, services and other industries.

main business

1. "Micro-loan in southern Hebei" features: high efficiency, convenience, free of miscellaneous fees and mortgage.

2. Loan amount: 50-500,000 yuan.

3. Repayment method: equal repayment of principal and interest every month.

4. Guarantee method: personal guarantee, the guarantor only requires stable income and household registration in Xingtai area.

5. Loan term: 3 months to 2 years.

6. Processing time: As long as it takes 3 working days from the date of investigation, eligible customers can get a micro-loan of up to 500,000 yuan.

7. Repayment plan:

For example, if you apply for a loan of 10,000 yuan (￥ 10/0,000.00) for a small enterprise with a term of one year, the monthly repayment plan is roughly as follows: monthly repayment amount, principal and interest balance,1916.80 766.80150.009, 233.20 2 9 16.80 778.30 533.70 9 9 16.80 863.79 53.0 1 2，669.9 1 10 9 16.80 876.75 40.05 1， 793.1511916.80001.6010,000.001.00/. 30 1.49 30 1.49 6 months1.755.25/kloc-0,531.51year 9 1. 001.601.001.60 2 499.241.981.781.78.

1. Bring my ID card (business license and other relevant documents are required for loan applications of more than RMB 65,438+10,000) and submit a loan application to the Small Business Credit Center;

2. Cooperate with the loan officer to complete the investigation;

3. Eligible customers go to the bank to sign loan contracts;

4. Get a loan.

Acceptance address

Qiaoxi Acceptance Address: No.348 Metallurgical North Road, Xingtai City (south of Qiaoxi Court)

Qiaodong Acceptance Address:No. Zhongxing East Street11Xingtai City (the first floor of Xingyin Building on the north side of the west side of New Century Plaza) I. Introduction of "Golden Bull Card"

Xingtai Bank officially issued the "Golden Bull Card" on June 5438+February 65438+February 9, 2009. Issuing Jinniu Card is an important measure launched by Xingtai Bank in order to better facilitate the general public and enterprises to handle business and better ensure the safety of customers' funds. She takes the people of Niucheng's own bank card as the design concept, highlights the long history and splendid culture of Niucheng as the theme, and integrates the functions of saving, consumption, transfer, value-added service and commemorative collection. It can be used not only in special merchants and ATMs with UnionPay logo in China, but also in countries and regions designated by UnionPay.

Second, the "Golden Bull Card" function

1. Jinniu Card can handle normal cash deposit and withdrawal, credit card consumption, hotel pre-authorization business and inter-bank transfer business.

2. In addition to the current account, Jinniu Card can also open accounts such as lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, education savings, deposit and interest withdrawal, fixed-term convenience and call deposit. As needed.

3. Jinniu Card can realize automatic deposit and withdrawal of lump-sum deposit and withdrawal account, automatic renewal of education savings account and automatic deposit and withdrawal of current account.

4. Jinniu Card can handle telecom payment service at our ATM.

5. Jinniu Card is used abroad free of currency conversion fee.

Third, the "Golden Bull Card" acceptance channel

1, with 32 branches in this city and Handan, and advanced financial network system.

2. The Bank has established a self-service system, and deployed 19 ATMs throughout its jurisdiction, of which 14 ATMs are located in urban areas, providing 24-hour self-service for the general public.

3. "Jinniu Card" has opened online banking and short message service, and has the functions of inquiry, loss reporting, business consultation and account change notification.

Fourth, the "Golden Bull Card" preferential measures

1, free of account opening fee.

2. Free of annual fee

3, free of small account management fees.

4. Cash withdrawal in different places is free.

5. No inquiry fee for the balance of UnionPay "Counter Link".

6. Collect and pay the service fee free of charge.

7.ATM cross-bank inquiry fee is free.

8. Exempt the transfer fee from the bank ATM system. The charging standard serial number of Jinniu Card is the charging standard. The charging standard is 1. Annual fee (temporarily suspended) 10 yuan/card/year, card replacement fee 2. 5 yuan/Card 3 small account management fee is exempted from 4 loss reporting fee 10 yuan/Card. At the same time, the business card loss reporting and password loss reporting are handled, and no additional password loss reporting fee is charged. 5 Password loss reporting fee 10 yuan/Card 6 Domestic remote ATM withdrawal fee 4 yuan/2 yuan/Pen 7 Cross-border ATM withdrawal fee 12 yuan/Pen 8 Cross-border ATM inquiry fee 4 yuan/Pen 9 Cross-border ATM counter deposit, withdrawal and transfer fee is 0‰ of the amount of 65,438+,with the lowest in 3 yuan and the highest in 50 yuan. Five, Taurus debit card and special citizen card.

2010165438+1October 18, the IC card core system was successfully put into operation, which indicates that Xingtai Bank has the function of accepting financial IC card business.

1, introduction of financial IC card

A card issued to the public by banking financial institutions independently or jointly with non-banking institutions, which conforms to the China Financial Integration (ic) card specification (V2.0), namely PBOC 2.0, and has all or part of the application functions of financial services and enterprise services.

2. Introduction of Jinniu Debit Card

The financial IC card issued by Xingtai Bank, namely Jinniu Debit Card IC Card, adopts dual account management, and the card is divided into bank debit card account and electronic cash account.

3. Advantages of Jinniu Debit Card

Compared with the traditional magnetic stripe card, Taurus debit card has higher security, larger storage capacity and flexible support for various applications.

4. Taurus debit card IC card function

The traditional magnetic stripe debit card/credit card is suitable for all functions, and it is safer to use Taurus debit card ic card.

E-cash has realized the application of small and fast payment. Electronic cash is paid offline, which is more convenient and fast.

Multi-industry applications, including social security, identity authentication and other real-name applications, as well as membership discounts, points accumulation, public transportation, medical care and other applications. Xingtai Bank's real estate mortgage consumption loan is a real estate mortgage loan issued by Xingtai Bank to borrowers for consumption. Loan interest rate: The mortgage interest rate of real estate shall be subject to the loan interest rate of the same grade at the same period of the People's Bank of China, and shall rise appropriately. Repayment method: the loan term can pay interest on a monthly basis and repay the principal at one time.

Product advantages include: high loan amount, long loan period, simple procedures and wide service range.

Loan terms:

(1) 18-59 years old (inclusive) China citizens with fixed residence and full capacity for civil conduct;

(2) It has a good credit record and repayment willingness, and has no record of breach of contract in the personal credit information system of the People's Bank of China and other relevant personal credit information systems;

(3) Have a stable occupation;

(four) a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

(5) It can provide legal, effective and reliable real estate mortgage guarantee recognized by the bank;

(6) Opening a personal settlement account (passbook or card) in Xingtai Bank;

(7) Other conditions stipulated by the bank.

Application materials:

1, the lender's ID card or other identification materials.

2. Lender's work certificate

3, the lender's income certificate

4. Proof of loan use

5. Other relevant certification materials stipulated by Xingtai bank lending institutions: Xingtai bank institution type: microfinance bank loan type: mortgage loan repayment method: loan maturity amount: 1.00- 1 10,000 Applicable area: Xingtai loan currency: RMB applicable people: other occupations, employees of state-owned enterprises, civil servants, lawyers, teachers, enterprise legal persons and individual industrial and commercial households loan interest rate: 0.