Bank of Beijing's exquisite loan business is to provide you with exclusive consumption installment business. After your application for exquisite loan business is approved, you will be issued a physical card with the function of consumption installment. After completing the activation operation, you can use the card to spend in offline businesses such as cars, home improvement, education, weddings, and tourism. , the actual consumption amount is automatically repaid in installments; If all the installments that you have successfully handled within the validity period of this consumption have been settled, you can apply again through the Palm Wonderful App to meet your various consumption needs conveniently and quickly.

Advantages and disadvantages: Credit loan products in the form of credit cards need not be mortgaged, and individuals can apply for up to 450,000 yuan, which can support repayment in installments for up to five years. Slightly insufficient in the narrow sense of access groups, white-listed high-quality customers need to pay the provident fund locally for more than one year and need a credit card to withdraw money.