How to apply for a tobacco loan from ICBC?

ICBC's tobacco loan needs to be handled at ICBC's business outlets. Applicants need to bring their ID cards, copies of tobacco monopoly retail licenses and other related materials, go to the counter of ICBC's business outlets, file an application for ICBC's tobacco loan with the staff, and then fill out the application form for ICBC's tobacco loan and wait for ICBC's review.

1. cigarette loan is based on the data information of cigarette purchase, sales, assessment and grading, and establishes a scoring credit model to provide pure credit loans to high-quality merchants online. Business features: the credit line is high-the maximum personal credit line is 500,000, and the term is long-the credit period is 1 year, and the term of a single loan is 6 months, covering the purchase cycle of merchants. Low cost-the interest rate is at a low level among peers, and the LPR rises by 0-80BP, and there are no other expenses except financing interest. Flexible use-the line is recycled, and it is repaid with the loan, paying interest on a monthly basis and repaying the principal in one lump sum. Entry requirements: the age is between 18 years old (inclusive) and 65 years old (exclusive), and he has been engaged in tobacco business for more than 2 years (inclusive), with no bad credit record and good credit status.

II. Procedures for handling tobacco licenses:

1. When applying, the applicant can apply directly to the accreditation hall of the local county-level tobacco monopoly bureau, and can apply online if conditions permit. Where an application is made by letter, telegram, fax, electronic data interchange or e-mail, it shall be converted into a format text by the accepting organ and confirmed by the applicant.

2. accept. In the process of acceptance, if the application materials are complete and conform to the statutory form, or if the applicant submits all the corrected application materials as required, the tobacco monopoly bureau at the county level shall accept the application and serve the notice of acceptance of administrative license with a special seal on the applicant.

3. On-site verification. After accepting the application, the Tobacco Monopoly Bureau will assign two or more staff members to the business premises for verification, check whether the application content is consistent with the actual situation, and submit the verification results in combination with the requirements of the reasonable layout of local tobacco products retail outlets.

4. Approval. The examination and approval department of the Tobacco Monopoly Bureau shall, according to the requirements of relevant laws, regulations and policies and the reasonable layout of local tobacco products retail outlets, review the authenticity, legality, effectiveness and completeness of the materials submitted by the applicant, put forward opinions on whether to handle them, and report them to the approver for examination and approval.

5. Decision: Under normal circumstances, the Tobacco Monopoly Bureau will make a decision according to law within 20 working days from the date of acceptance. If the license is granted, the Tobacco Monopoly Bureau shall make a decision on granting the administrative license within ten days and serve the tobacco monopoly retail license on the applicant.