Members: 05BE2 张丽丽，刘瑶玲，郭春玲，徐晶晶. Introduction China Construction Bank...

Members: 05BE2

张丽丽，刘瑶玲，郭春玲，徐晶晶

IntroductionChina Construction Bank was incorporated in China in 1954.

It is a state owned bank operating in a commercial capacity.

It is in key market segments in corporate banking, personal banking and treasury operations.

Deposit services

Credit card services

Exchange foreign currency

Securities agent

Personal loan

Small enterprises loan

…

Open a saving deposits bankbook .

Deposit your RMB and foreign currency

Record the usage of your funds with the bankbook

Demand deposits bankbook & term deposits bankbook.

Convert the foreign currency into other foreign currencies .

The RMB at the exchange rates set by the People’s Bank of China at a CCB foreign currency counter.

Personal Loans

Personal Housing Loans

Personal purchase credit

Personal auto loans

Personal operation loans

Personal business loans

Housing Loan Application Process:

(1) File an application

(2) Sign a contract

(3) Open an account

(4) Disburse the loan

(5) Make timely payment

(6) Loan settlement

Auto Loans Application :

ξ Borrower submits application documents.

ξ Branch check credit rating, conduct assessment.

ξ Branch will examine the qualified applications

ξ If passing, completing contract signing, loans payment, mortgage or pledge.

ξ Disburse loans.

Fill out application form & submit required documents.

Customer manager has on-site examination.

Branch processes paper work & transfers funds.

Borrower makes timely repayment over the counter.

After paying off, get the pledge or mortgage back.

Small & Medium-sized Enterprises

¶ Application( 受理 )¶ Credit rating （评级受信）¶ Use of credit （额度支用 ）¶ Granting loans （贷款发放 ）

¶ Repayment （还款 ）

Bye Bye bye !!bye !!