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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 !!