工行河北分行个人贷款余额省内首家突破一千亿

Hebei branch of icbc personal loan balance the first breakthrough in one hundred billion

Icbc hebei branch news, as of February 1,, the bank personal loan balance of 100.278 billion yuan, took the lead in the province trade exceed one hundred billion yuan RMB. At the same time, the bank personal loan customer size breakthrough 500000 households, and other personal consumption loans, personal business loans, individual housing loans, etc all personal loan varieties are maintained the first trade.

In recent years, hebei economic and social development is rapid, residents personal consumption growing demand, the icbc hebei branch actively adjust the credit structure to build the province "first retail credit bank", "the first mortgage bank" as the goal, adhere to customer demand-oriented innovative products and services, product variety is rich, the basic form for the personal consumption loans, personal business loans, individual housing loans, and other three kinds of more than twenty varieties of business system, in the personal self car, a room, second-hand house, personal decoration, the large amount of consumption, cultural consumption, tourism, for study abroad, etc effectively meet the residents' consumption financing needs. At the same time, the bank actively respond to a nation about support small micro enterprise development requirements, extend the service channels, in view of the business flow, cultural services, production and processing, etc have introduced personal help industry, personal management, personal commercial vehicle, personal commercial housing and personal management of such loans, effectively alleviate the individual businessmen, small micro enterprise management development on the need for the funds.

In the development of products at the same time, it also continuously improve service efficiency and service quality, satisfy customer demand. If the bank for personal loan "small, fast, frequency, urgent" characteristics, improve loan process, all realize electronic trial, according to "standardization" management mode, from the loan application, investigation, examination, approval and issue until the collection are concrete and specific institutional arrangements, and formed a "one-stop" work style, standardization of "line" mode. In addition, the bank make full use of their own powerful online banking system, and give full play to the advantages of science and technology innovation, from close to the customer actual demand and reduce customer's loan cost Angle, has introduced the deposit-loan pass, net credit pass and easy credit products, to meet the financing needs of different individuals and enterprises to provide a more diversified choice.

In addition to actively support the individual consumer outside, it also for all kinds of commodities trading in the market, such as commercial industrial concentration area is individual and industrial and commercial door, small micro enterprise operator's financing demand, into the market to understand requirements, design introduced for hebei professional commodity trading market customer financing service plan. According to introducing, in the past two years, the bank has the province respectively 120 professional market to tailor a personalized financing service plan, effectively support the local economic construction.