I. Consumer Finance of China Bank
On June 2010/2, BOC Consumer Finance Co., Ltd. was formally established in Shanghai. It was jointly funded by Bank of China, An Baili Group and Shanghai Lujiazui Financial Development Co., Ltd. At the beginning of its establishment, many large shopping centers, home improvement shops and other channels of An Baili Group No.1 Yaohan and Dongfang Commercial Building were developed into the first batch of special merchants of BOC Consumer Finance Company, and the loan channels were expanded to thousands of merchants of UnionPay at the end of 20 10. So far, special merchants have covered many industries, such as building materials, home appliances, consumer electronics, education, tourism, weddings, department stores and so on.
The launch of the new easy loan consumer finance loan has effectively eased the financial pressure of consumers when they just entered the workplace after graduating from college and met economic needs such as getting married and having children. Through the characteristics of convenient application, quick loan and easy repayment, consumers can not only enjoy life better, but also face the pressure of life calmly and become a fashionable way of life consumption among young people.
In August 2009, China Banking Regulatory Commission issued the Measures for the Administration of Pilot Consumer Finance Companies, which officially started the pilot examination and approval of consumer finance companies, and decided to approve 1 institutions in Beijing, Tianjin, Shanghai and Chengdu to conduct pilot projects first. However, the final result shows that Tianjin has not been approved for construction. The first batch of three license photos approved to set up consumer finance companies were sent to Shanghai, Beijing and Chengdu respectively. The registered capital of BOC Consumer Finance Company is planned to be 500 million yuan, of which China Bank contributes 255 million yuan, accounting for 565,438+0%; An Baili Group invested 654.38+0.5 billion yuan, accounting for 30%; Lujiazui Financial Development Holding Company contributed 95 million yuan, accounting for 65,438+09%.
Two. Bank of China consumer finance loan
Consumer finance in China Bank usually takes less than one week, usually 3.4 days, from application to loan.
When an individual fails to obtain a bank loan, the bank will take the following steps: first, the bank will make a dunning. If the dunning fails, the bank will send someone to collect it. If the door-to-door collection still has no effect, then the bank will bring a lawsuit to the court, and the court will execute the repayment for the customers who fail to repay the loan within the time limit. Once the bank brings a lawsuit to the court, the court summons will be sent to the borrower's home. On the day of the court session, regardless of whether the borrower appears in court or not, if the borrower has no cash to repay, the court will freeze the collateral originally mortgaged by the borrower to the bank, and then auction the collateral, and the proceeds from the auction will be used for repayment. If the auction proceeds are greater than the arrears, the excess will be returned to the borrower, but there are few cases of excess money. Financial management reminds you that owing bank loans will first affect the borrower's credit. All bad records of non-repayment of loans will be automatically collected into the personal credit information system of the People's Bank of China, which can be found online all over the country. When applying for loans in the future, all banks will check the borrower's personal credit report before issuing loans. It is difficult or even impossible for people with bad credit records to apply for any loans or credit cards. After marriage, the borrower's spouse will be affected when handling the loan.
If you need a settlement certificate from BOC Consumer Finance to pay off the loan, you can ask BOC Consumer Finance to issue it. You can also see the menu of downloading the settlement certificate in the official WeChat account system. If you are in a hurry, you can directly call the customer service hotline of BOC Consumer Finance to apply for mailing the loan settlement certificate.