There are three ways to query ICBC mortgage balance:
1. Monthly bill;
2. I hold my ID card to check with the loan business department of the loan bank;
3. Inquire through online banking.
When a non-person inquires about the loan balance, he can only inquire from online banking, provided that he knows the password of online banking. If it is not the lender himself and is not authorized, the bank will not provide any information of the lender for the protection of the lender's interests. Moreover, even if others take the lender's ID card to the bank to inquire about any information of the lender.
About the process of offline loan and online loan:
1. For online loans, first of all, you need to have the work code of the bank staff as a recommendation. Just fill in the required loan products according to the process of the loan app, which is basically about personal data and sources of work income, as well as the setting of loan quota. For details, it is recommended to consult the relevant loan personnel of the bank before applying.
Two. Processing flow of offline loan products:
1, the preliminary materials that the loan applicant needs to prepare before applying for a loan include: loan application, identity certificate of the loan applicant, household registration book, proof of income source, proof of marital status, etc. Married people need to provide relevant materials of their spouses. If you apply for a mortgage loan, you need to provide legal property rights materials, such as applying for a credit loan. Personal credit is still an important part.
2. The loan applicant shall fill in the written application materials and submit them to the loan product department of the applicant bank.
3. The loan system of the next bank will check the personal qualifications of the loan applicant, such as credit information, liabilities and income sources. The next step will be taken before the loan is approved. However, if your loan is not approved, the bank loan department will return the loan materials you submitted together, and the staff who should be in debt will tell you the reason why the loan was rejected.
4. After the loan approval amount comes out, the bank loan department will inform the customer to go through the next loan procedure and sign the loan contract. In the case of applying for a housing loan, the bank assistant will inform you of the relevant procedures for handling the housing loan.
5. After the relevant mortgage process and loan contract process are completed, the loan will be issued to you according to the approved loan amount and mortgage loan amount and the original loan card.
6. After the loan amount arrives, you need to repay in time according to the repayment method, amount, date and date agreed in the loan contract. In case of non-working days, please ensure the smooth deduction of the loan account one working day before the repayment date. After the loan is paid off, the loan contract shall be dissolved first. The above is the process of loan application.
Industry and commerce kapuhui small and micro loans price Duan
ICBC upgraded its service in inclusive finance.
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Guangming Daily
20 18-09-26 16:35 Guangming daily official account
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On September 26th, China Industrial and Commercial Bank officially launched the theme activity of "ICBC Pratt & Whitney Bank" in Beijing, announcing the comprehensive upgrade of inclusive finance services, further building a "wide coverage, multi-level, efficient and sustainable" inclusive financial system, promoting the increment, expansion and parity of microfinance, and striving to invest more than one-third of corporate loans in inclusive finance in the next three years, with an average annual growth rate of more than 30% and doubling of inclusive loans within three years.
It is reported that the kick-off meeting of ICBC will be held simultaneously in the form of video to branches in cities all over the country, and all branches of ICBC will be mobilized to extensively carry out the activities of "three linkages" (linkage government departments, linkage industry associations and chambers of commerce, linkage financing guarantee institutions) and "three walks" (entry into parks, professional markets and core enterprises), so as to further gather more strength and build inclusive finance ecological circle.
Yi Huiman, chairman of ICBC, said in his speech that the development of inclusive finance is not only the overall situation and responsibility of commercial banks, but also the market and opportunity; It is not only the embodiment of service origin, but also the direction of strategic transformation. Inclusive finance has to do more; It is not a question of whether to do it or not, but a question of the depth and details of how to do it. In the name of China Industrial and Commercial Bank, there are two words "work" and "business". Starting from industrial and commercial credit, we have been sharing weal and woe with small and micro enterprises. In recent years, ICBC has actively changed its concept, improved its mechanism, and sank its focus, initially forming a micro-finance development model with ICBC characteristics. At present, ICBC has set up the inclusive finance Business Department at the level of tier-one branches, and set up about 230 small and micro centers across the country, serving more than one million small and micro customers and lending more than 9 trillion yuan. In the first half of this year, the balance of ICBC's inclusive loans increased by 17% compared with the beginning of the year, much higher than the average increase of various loans; The average interest rate of small and micro loans is much lower than other financing channels, which has played a very good role in reducing fees and making profits.
Regarding how to treat the difficulty and high cost of financing for small and micro enterprises, Yi Huiman pointed out that the difficulty and high cost of financing for small and micro enterprises is a complex, diversified and comprehensive problem with profound laws and complicated reasons behind it, which requires comprehensive analysis, comprehensive policies and sustained efforts. First of all, from the demand side of enterprises, most small and micro enterprises are at the end of the industrial chain, with small assets, imperfect governance structure, irregular financial management and weak anti-risk ability. In addition, the construction of social credit system is not perfect, and the credit ecological environment in some areas is not ideal, which objectively narrows the choice of banks. From a practical point of view, it is difficult for small and micro enterprises to raise funds, which varies from enterprise to enterprise and from region to region, mainly because it is difficult for small and micro enterprises to raise funds in places with poor financial ecology. Small and micro enterprises have expensive financing and different channels, mainly because the financing price of non-bank institutions and some small and medium-sized banks is too high. The survey shows that the average interest rate of small and micro loans of large banks is between 5% and 6%; All kinds of new financial and quasi-financial institutions are generally above 15%, private lending is generally above 20%, and small and medium-sized banks are between big banks and them. Secondly, small and micro enterprises need full-process, full-product, full-life financial services, not just financing. The production and operation activities of small and micro enterprises have their own characteristics. Each enterprise is at a different stage, and its financial needs are obviously different. It needs diversified financing support combining short-term and long-term, credit and mortgage, online and offline, and full-chain financial services covering account opening, settlement, financing and investment. Third, inclusive finance must be based on the principle of business sustainability. The biggest cost of small and micro loans is the risk cost. At present, the average non-performing rate of small and micro loans is 2.75%, which is 1.7 percentage points higher than that of large enterprises, and the non-performing rate of small and micro loans with a single credit of less than 5 million is even higher. Therefore, the core of developing inclusive finance is to improve the risk management and control ability, which is the professional advantage and housekeeping skill that commercial banks should have, and also the greatest commercial sustainability.
Yi Huiman emphasized that doing a good job in microfinance is a long-term systematic project. China Industrial and Commercial Bank will focus on the "five focuses" to truly make microfinance work. The first is to pay attention to the transmission of monetary policy. Effectively transmit government requirements, regulatory policies and the Head Office's strategy to institutions at all levels and the front line of the market, and guide the whole bank to firmly establish the concept of "small and micro enterprises have a future". The second is to join offline. In view of the characteristics of short and frequent financing and large and scattered business volume of small and micro enterprises, offline financing services are comprehensively optimized from the aspects of varieties, deadlines and business models. The third is to focus on the live broadcast line. Accelerate the development of "Digital Pratt & Whitney", reconstruct Pratt & Whitney's product system with Internet thinking, build a comprehensive service system of "one platform, three product systems" in inclusive finance, and strive to become a comprehensive service provider in inclusive finance. The fourth is to focus on controlling credit prices. Adhere to the overall planning of "quantity" and "price", advance simultaneously, implement the pricing principle of "guaranteeing capital and making small profits" for small and micro loans, and actively use financial technology to prevent and control risks, so that small and micro enterprises can benefit more from the dividend of reducing risk costs. The fifth is to pay attention to ecological co-construction. Build a new ecology of inclusive finance with complementary advantages and win-win cooperation.
At the kick-off meeting, ICBC President Gu Shu released ICBC's comprehensive service system in inclusive finance based on "one platform, three product systems". Among them, "one platform" refers to the "ICBC microfinance service platform" which integrates five functions, such as convenient account opening, public-private linkage, wealth management, wealth management and micro-E management, and can provide one-stop comprehensive financial services for small and micro customers. The "three major product systems" refer to providing a variety of online financing products around the growth cycle of small and micro enterprises, including pure credit "quick loan", mortgage pledge "online loan" and "online supply chain".
China Industrial and Commercial Bank, in conjunction with national key parks, professional markets, industry leaders, guarantee institutions, economic and technological development zones, e-commerce platforms and other enterprises, jointly issued the initiative of "supporting Xiaowei to build inclusive finance ecological circle", calling on all sectors to pay more attention to and support inclusive finance and promote the continuous development of the real economy to high quality. (Guangming Rong Media Reporter Wen Yuan)
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Inclusive financing
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Inclusive finance refers to providing appropriate and effective financial services to all social strata and groups with financial services needs at affordable cost according to the requirements of equal opportunities and the principle of sustainable business. Special groups such as small and micro enterprises, farmers, urban low-income people, poor people, the disabled and the elderly are the key service targets in inclusive finance. ...
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Want to test the establishment of ICBC, how awesome is this bank?
1, revenue and profit
In terms of revenue and profit alone, ICBC is the bank with the largest revenue and profit in the world. Taking the data of 2020 as an example, in 2020, ICBC's revenue was 882.6 billion yuan and its net profit was 365.438+07.685 billion yuan.
ICBC's revenue may not be comparable to that of PetroChina, Sinopec and State Grid, but its profits far exceed those of these large central enterprises and slightly worse than that of China Tobacco. In addition, among the top 500 banks in 202 1 world, China Industrial and Commercial Bank ranks 20th, which is also the highest ranked bank in the world. From the perspective of pure profit, ICBC's profit can rank fourth among the world's top 500 enterprises, second only to Apple, Saudi Aramco and Softbank.
2. Asset size.
By the third quarter of 20021,ICBC's assets reached 35.4 trillion, which should be one of the largest banks in the world.
3. Core Tier 1 capital.
Core Tier 1 capital is not only a reflection of a bank's strength, but also an important indicator to measure its ability to resist risks. At present, ICBC's net core tier-one capital is 2.8 trillion, its net tier-one capital is 3. 13 trillion, its core tier-one capital adequacy ratio is 13. 14% and its tier-one capital adequacy ratio is 14.68%. Among the top global 1000 banks published by Banker magazine 202 1, ICBC ranks first in the world with its Tier 1 capital of US$ 440 billion.
4. Customer deposit balance.
Deposit is an important foundation for the survival of banks, because at present most banks in China rely on spreads to survive, and the contribution rate of spreads to bank profits is at least 60%, so the more deposits, the stronger their strength and profitability. By the end of the third quarter of 2002/kloc-0, the balance of ICBC customers' deposits was 26.84 trillion, ranking first in the country.
5. Loan balance.
Loans and deposits are twin brothers, and deposits alone are not enough. You have to convert your deposit into a loan, so there is room for spread. By the end of the third quarter of 2002/kloc-0, the balance of ICBC's customer loans was 20.42 trillion, ranking first in the country.
6. User scale.
By the first half of 20021,ICBC had 9.2 million corporate customers and 690 million individual customers, and the number of users could at least rank among the top 2 in the world.
7. Staff size.
By the first half of 20021,ICBC had 430,000 employees, the second largest among all banks in the world, second only to Agricultural Bank.
8. Size of socket.
By the first half of 2002 15823, ICBC had 24,689 self-service banks, 79,034 smart devices and 70,799 outlets, the number of which was second only to that of the Postal Savings Bank.
Through these simple data, we can know why ICBC is called Cosmic Bank, because ICBC is big enough in every way.
Of course, the reason why ICBC is so awesome does not mean that it is very competitive. In fact, in terms of competitiveness, I personally think that ICBC is not as good as some domestic joint-stock banks, such as China Merchants Bank.
Compared with JPMorgan Chase, Citigroup and HSBC in the world, there is a certain gap.
At present, ICBC is very good because of its huge network and huge users. To put it bluntly, we rely on China's economy and demographic dividend to accumulate strength.
If one day more than 50% of ICBC's profits come from international business, and the contribution rate of spreads to profits is less than 40%, I think that is the real cow.
How to display the available balance of ICBC loan 10 million yuan?
Business hall or handheld business hall for inquiry.
1, ICBC outlets, bring your ICBC card or passbook to nearby outlets, and ask the counter staff to help you check the account balance.
2. Any bank self-service inquiry equipment terminal (ATM, self-service terminal) can realize ICBC balance inquiry by inserting ICBC card or passbook.
3. ICBC online banking: bring my valid certificate to ICBC outlets, ask staff to open ICBC online banking, and then log in to ICBC online banking to realize balance inquiry. The inquiry method is to log in to ICBC official website and enter the password for inquiry.
4. China Industrial and Commercial Bank Telephone Banking/Mobile Banking. You can call ICBC customer service number 95588 and ask the staff how to check the available balance of ICBC.
5, ICBC 95588 SMS reminder service, to ICBC outlets to open the ICBC card balance change reminder.
6. Bank statement. If it is an ICBC credit card, you can use the ICBC electronic statement or paper statement to check the balance on the ICBC card.
ICBC generally refers to Industrial and Commercial Bank of China.
What is the deposit size of China Industrial and Commercial Bank in Hubei?
In 20 19, China Industrial and Commercial Bank of China Hubei Branch (hereinafter referred to as "ICBC Hubei Branch") implemented the central government's "six stabilities" work plan, made great efforts to serve the development of the real economy, and solidly fulfilled its social responsibilities, realizing the benign development of making progress while maintaining stability and improving quality. At the end of the year, the Bank's deposits increased by 48.98 billion yuan or 7.7% over the previous year. Various loans increased by 56,543.8+0.38 billion yuan over the previous year, with an increase rate of 65,438+0.3%. The loan balance and increment rank first among ICBC in six central provinces and peers in the province.
business development
1. Increase credit support for key areas and key projects. We will build a six-in-one diversified financial service system, focus on supporting major projects such as the "Double Ten Projects" for ecological protection and green development in the Yangtze River Economic Belt, trillion-dollar technological transformation of enterprises in the whole industry, and facilities for military experience venues, and strengthen credit support for infrastructure construction, new energy, advanced manufacturing, modern service industry and strategic emerging industries. Focusing on the construction of "four centers" in Hubei, Wuhan will be built into an international consumption center city, and the credit supply will be strengthened and accurate. At the end of the year, the total payment of "going out" projects was $654.38+0.7076 million, and 97 projects were reserved. In the whole year, we strived to increase the credit scale from the head office for 27 times, with a total amount of 654.38+025 billion yuan.
2. Increase financial support for weak links. The first is to strengthen financial services for private and small and micro enterprises. Adhere to "not only ownership, not only scale, not only industry, not only advantages and disadvantages" and actively support the development of private enterprises. Optimize 100 key private enterprises, promote the strategic cooperation of "total to total", set up a special service team, implement one policy for one household, and optimize comprehensive financial services. Establish a special evaluation system for private financial services to promote the increase and expansion of credit supply for private enterprises. At the end of the year, private enterprise loans increased by 46,543.8 billion yuan over the previous year, and the number of loan households was 309/kloc-0, an increase of 589 households over the previous year. Implement ICBC Pratt & Whitney Bank and the "100 Billion Gold Benefit Project" for small and micro enterprises, and meet the financing needs of small and micro enterprises by operating high-quality products such as fast loans, e-to-fast loans, tax credits, loans for benefiting farmers, online loans and bill discounts. Actively apply to the head office for a special scale of inclusive loans, and strive for a special scale of 3.8 billion yuan throughout the year. In 20 19 years, the incremental target of inclusive loans with two calibers of supervision was exceeded; The average interest rate of newly-issued Pratt & Whitney small and micro loans was 4.5 1%, which was 0.55 percentage points lower than that of the previous year and remained at a low level among peers. Inclusive loan customers 19 1 15 households, an increase of 1347 households or 7.6% over the previous year. Second, vigorously support scientific and technological enterprises. In view of the characteristics of "short frequency, fast demand" and insufficient mortgage in the growth period of science and technology enterprises, this paper puts forward a financing scheme for innovation scenarios of science and technology enterprises to provide financing support for more than 100 high-quality customers in the fields of medicine, information technology and intelligent manufacturing. The third is to increase agricultural credit and precision poverty alleviation support. At the end of the year, the balance of agricultural loans was 565.438+69.2 million yuan, an increase of 654.38+85 million yuan over the previous year.
3. Promote business transformation and innovation. Continue to promote the development of the top ten business product lines, and meet the financial service needs of enterprises with diversified and innovative products. Build a customer-centric product operation system, set up professional and flexible teams in asset custody, pension, bills and financial markets, comprehensively promote the construction of "three centers and three teams", set up a large customer center, and continuously improve customer service level and service efficiency. At the end of the year, the number of customers and transaction volume of bill business reached 1709 and196.7 billion yuan respectively; The asset custody scale was 87.5 billion yuan, an increase of 33% over the previous year. Effectively meet the diversified financial needs of enterprises through innovative business, and handle the first sustainable investment, the first equity investment agency debt investment business, the first asset securitization and commercial real estate mortgage-backed securities business after the new asset management regulations. Actively serve the construction of "smart cities" and achieve full coverage of government scene project reserves; Smart scenes such as electronic social security card, living payment, non-inductive traffic, bus code scanning and aggregate payment provide residents with a more convenient service experience. The total customers of "Ronge Bank" and corporate mobile banking are 654.38+040,500 and 90,000 respectively, providing more customers with financial service experience without leaving home.
operation management
Continuously optimize the operation management and service of outlets. Focusing on the "year of improving service quality" and the requirements of the military for high-quality financial services, the service level of outlets will be continuously improved. Formulate the "three-oriented" management guidelines for business outlets and strengthen the standardized, standardized and refined management of business outlets and office areas. A total of 22.6 million yuan was invested in the special rectification of the network environment under its jurisdiction. We will further promote the creation of "benchmark outlets" and the standardization reform of outlet management. At the end of the year, the proportion of competitive outlets reached the standard increased by 15 percentage points compared with the previous year, and the number of inefficient outlets decreased by 38, with a decrease of 36%. Optimize the regional layout of outlets and self-service banks, optimize the format structure of outlets in multiple ways, and accelerate the standardization of outlets. During the year, there were 7 new flagship stores and 6 newly renovated wealth management convenience stores 16, and the intelligent coverage rate was 100%. Put into production portable intelligent teller machines, promote the intelligent account opening business of outlets, and promote the development of the service mode of outlets to the middle and high-end stages such as intelligent scene application and intelligent marketing services.
Risk management and control
Continue to strengthen risk management and control, strictly implement the responsibility of case prevention management of institutions and professional departments at all levels, and hold the "three lines of defense". Institutions at all levels of the Bank signed 8,436 letters of responsibility for case prevention and control. 57 1 person-time compliance training was organized throughout the year, and the awareness of compliance was obviously enhanced. We built and improved the parallel mechanism of "sinking to the next level" and "inviting superiors". A total of 622 people sank to participate in 265 case prevention meetings of subordinate institutions, covering 25 1 grassroots institutions. Solidly carry out prevention work, incorporate prevention work into business performance appraisal, and implement quarterly assessment and scoring. We will carry out in-depth special rectification of risks in eight major areas, strengthen the investigation of abnormal behaviors of employees, carry out full coverage flight inspection of outlets, and implement the "five-step responsibility compaction method" to strengthen the implementation of rectification, effectively prevent illegal operations and curb hidden dangers of illegal operations. A total of 640 items of supervision and inspection were carried out throughout the year, and the problem rectification rate was 99.08%. We will fully purify the quality of assets, initially establish anti-counterfeiting and anti-fraud workflow, and further promote special governance in seven key credit areas to effectively prevent "clearing the past and spilling over". At the end of the year, the balance of non-performing loans decreased by 55 million yuan compared with the previous year, and the non-performing rate decreased by 0. 13 percentage points compared with the previous year.
What is the interest rate of 20 16 ICBC loan?
Six months (inclusive) short-term loan 6.10%; 6.56% for half a year to one year (inclusive); One to three years (inclusive) 6.65%; Three to five years (inclusive) 6.90%; More than five years, 7.05%.
The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1. 1 times the benchmark interest rate.
Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%.
Adhere to the steady development of credit and maintain the status of the first credit bank in China. Continue to strengthen credit supply to key industries and regions, actively promote the construction of "green credit" and enrich financing products. At the end of 2007, the loan balance of domestic companies was 29149.93 million yuan, an increase of15.2%; The balance of deposits of domestic companies was 3,402.683 billion yuan, up by 20. 1%.