Shenzhen Commercial Bank

The growth of the bank. The main business of the bank. The objects & terms of company’s loan.The objects & terms of company’s loan. The loan of the local resident.

My growth Ⅰ Established in Jun.22,1995 as the first city bank in China In 1998,its name was changed as SZCB In 2006,PING AN OF CHINA ( 中国平安保 险集团 )became the biggest shareholder % stock

My growth Ⅱ In 2005 ٭Property scale ( 资产规模 ): ￥ 71.9 billion ٭Deposit balance( 存款余额 ): ￥ 6.29 billion ٭Profit level ( 盈利水平 ): ￥ 1.1 billion ٭ATM Total business volume :NO.4

My growth Ⅲ “2004 年度中国银联外卡业务最佳合作伙伴 ” 奖 The champion of “ 交易质量奖 ” in 2005

The business of the bank : Major domestic business International primary service

Characteristic service Develops Shenzhen person credit card Develops Shenzhen campus card

Deposits Financing service The company manages finances The enterprise network bank

International service variety Trade financing Collects the money order business

Loan object individual operators >18 <60

Terms of loan 1.completely civil capacity 2. business license and correlation profession management permit 3. fixed residence and manages place

Terms of loan 4. right production management activity investment project has … repay principal and interest 5. good credit observe law and discipline bad credit and the debt records (doesn’t) property mortgage, pawns or guarantees

deadline of loan 1.Company’s store loan <=3 2.small equipment loan <=2 3.temporary turnover loan of company<=1 postponement permit once, but … 例 : 中小企业贷款流程图 例 : 中小企业贷款流程图

The loan of the local resident. 1.The definition of salary guarantee loan of individual. 2. Loan object and condition. 3.The condition of the borrowers 4. Loan deadline. 5. material. 6. Loan repayment way.

.The definition of salary guarantee loan of individual. Use to individual consumption’s needs. Must be true. Only limits uses in individual consumption.

Loan object and condition Has the Shenzhen registered permanent address.( 深圳户口 ). Age :from 18 to 60.

.The condition of the borrowers. Has completely civil capacity ( 完全民事行为能力 ). Has the fixed residence in Shenzhen, has good tax payment record.. Has fixed professional and stable income.. After appraises individual credit rating to achieve above the AA level. ( 经评审个人资信等级达到 AA 级 以上 )

Loan deadline & Loan repayment way Individual wages guaranteed the loan deadline is longest does not have to surpass for two years. to repay monthly. draws up from the borrower, the buckle receives the loan principal and interest.

Should fill in the loan request form. Status credential (including inhabitant status credential, resident register). Borrower, spouse's occupation and family asset, income situation proof. My guild regulations decide other conditions.

Vivian Pinky Amour Nara